{"meta":{"key":"s_nh--pass-01","task":"S_NH","title":"SNH New Hampshire provider market access and consumer fees","parent_title":"New Hampshire debt and debt relief law","edition":"pass-01","path":"/research/s_nh--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":45,"sources":14,"review_status":"revise","review_complete":true,"sha256":"e0755d354b42ddf18528916be133d5b2db579a6c832503e5729a1c2bd73d8529","headings":["Executive determination","1. Current classification of debt adjustment, settlement, DMP, counseling, and related fee-taking conduct","1.1 The umbrella definition is activity-based","1.2 Statutory program branches","1.3 Principal reduction does not by itself answer the classification question","1.4 Custodial versus noncustodial","1.5 Consumer versus business purpose","1.6 Resident and remote-provider nexus","1.7 Underlying creditor boundary","2. Prohibited, licensed, authorized, and exempt models","2.1 Core market-access result","2.2 Model-by-model access matrix","2.3 Attorney and nonprofit boundaries","2.4 Institutional exclusions","3. Current fee structures, bases, limits, and adjustments","3.1 Fee base","3.2 Applicable fee table","3.3 DMP creditor threshold","3.4 Cancellation and default fees","3.5 Setup, enrollment, monthly, per-debt, and savings fees","3.6 Current amounts and historical reconciliation","4. When fees may be requested or received","4.1 State-law sequence","All plans","DMP","Settlement","Repayment","4.2 Independently applicable federal TSR baseline","Dedicated accounts","4.3 Conditional credit-repair overlap","5. Regulator permission, public lookup, and application procedure","5.1 Issuing authority and procedure","5.2 Current statutory government fees","5.3 Operational pages and public verification","5.4 Current regulations","6. Bounded worked examples","Example 1 — Ten-month DMP","Example 2 — Seventeen-month DMP and rounding","Example 3 — DMP creditor-acceptance test","Example 4 — DMP or repayment cancellation fee","Example 5 — Settlement aggregate cap and federal pro-rata earning","Example 6 — Alternative federal savings calculation","Example 7 — Lower-debt, partial settlement, and previous fees","Example 8 — Federal dedicated-account withdrawal","Example 9 — Repayment-plan reclassification","Example 10 — Discounted installment resolution","Example 11 — Remote business debtor and custody","Actually read","Located but not treated as fully read authority","Holds preserved","Method and provenance"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NH/pass-01","facets":{"geography":["us","us-nh"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh NewHampshire provider-access/fees component only; all broader state categories remain required","pending_corrections":0},"markdown":"# S_NH PASS-01 — New Hampshire provider market access and consumer fees\n\n**Actual research/access date:** October 24, 2026, America/Los_Angeles.\n**Scope:** Provider classification, public market access, consumer-facing fees, and fee timing. This is not a whole-state acceptance, provider authorization, A066 acceptance, or a substitute for the remaining agreement, custody, bond, remedies, litigation, secured-debt, sector, local, tribal, contract, and case-law passes.\n\n## Executive determination\n\nNew Hampshire is a **licensed-market state**, not a categorical prohibition state. A nonexempt person must obtain a New Hampshire Banking Department debt-adjuster license before engaging in covered debt-adjustment activity in New Hampshire **or with persons located in New Hampshire**. The covered activity is broad: compensated advice or counseling, creating adjustment contracts, negotiating with creditors, receiving and distributing debtor funds, and acting as an intermediary to obtain concessions. The statutory label attached to the program does not control. **C001–C007.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\nThe current law expressly accommodates debt-management, debt-settlement, and repayment plans, but assigns materially different fee rules to them:\n\n| Program | Current New Hampshire state fee result |\n| --- | --- |\n| Debt-management plan | Aggregate fee based on enrolled principal: **10%** for 10 months or less; **12.5%** for more than 10 but less than 18 months; **15%** for 18 months or more. Equal monthly amortization; no fee before day 30 and specified creditor-acceptance thresholds. |\n| Debt-settlement plan | Aggregate fee based on enrolled principal, capped at **15%**. State text permits a monthly amortized fee only after the contract has been effective at least 30 days, but applicable federal law can impose the later first-settlement/first-payment trigger. |\n| Debt-repayment plan | No separate percentage or dollar ceiling appears in RSA 399-D:17. Total charges must be agreed in the written contract, and no fee is due before signature. This is **not** a conclusion that any amount is lawful. |\n| Separate setup/enrollment fee | No verified lawful separate enrollment/setup-fee pathway was established. The Department’s search-index excerpt says enrollment fees stopped being allowed on January 1, 2017, but the FAQ body returned 403 and is treated only as a discovery lead. |\n\nThe statutory amounts are fixed. I found **no CPI-indexed debt-adjuster consumer-fee table or annual adjustment notice**. The only verified future change is a government licensing fee increase on October 1, 2027, which is not a consumer service fee. **C019–C031.** [New Hampshire Government+4](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm)\n\n# A. Substantive answers\n\n## 1. Current classification of debt adjustment, settlement, DMP, counseling, and related fee-taking conduct\n\n### 1.1 The umbrella definition is activity-based\n\nRSA 399-D:1 IX treats the following as “debt adjustment”:\n\n- Compensated debt-management advice or counseling.\n- Creating debt-adjustment contracts for compensation.\n- Negotiating with one or more creditors for compensation.\n- Receiving money or monetary evidence as the debtor’s agent to distribute—or supervise, coordinate, or control distributions—to creditors in full or partial payment.\n- Otherwise engaging in the debt-adjustment business, including acting on existing contracts.\n- Acting as an intermediary between debtor and creditor to obtain concessions.\n\n“Compensation” includes fees, creditor fair-share contributions, and other financial or similar incentives. Thus a nominally “free” debtor service supported by creditor contributions or another financial incentive can still involve statutory compensation. **S_NH-P1-S001; C001–C002.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### 1.2 Statutory program branches\n\n| Statutory category | Required features | Important boundary |\n| --- | --- | --- |\n| **Debt-management plan** | Regular periodic payments to creditors, plus creditor reduction of financing charges or fees for late payment, default, or delinquency. | A payment schedule without these creditor concessions is not automatically a DMP. |\n| **Debt-settlement plan** | A proposed contract indicating a lump-sum payment and creditor settlement for less than principal. | A principal reduction paid through installments does not neatly meet the “lump sum” language, although negotiation and the broader debt-adjustment definition can still cover it. |\n| **Debt-repayment plan** | A payment schedule created by the adjuster to reduce outstanding debt with one or more creditors over a fixed period. | This is the residual plan branch for some fixed-payment programs that are neither statutory DMPs nor statutory lump-sum settlement plans. |\n| **General counseling or negotiation** | Paid counseling, contract creation, creditor negotiation, or concession work. | Custody of consumer money is not required for licensing coverage. |\n| **Custodial/distribution model** | Receipt or control of debtor money for creditor distribution. | This also raises the separate money-transmission issue discussed below. |\n\n**S_NH-P1-S001, RSA 399-D:1 IX–XIII; C003–C004.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### 1.3 Principal reduction does not by itself answer the classification question\n\nA program negotiating a creditor’s acceptance of less than principal is plainly within the broad negotiation/intermediary definition. It is the statutory **settlement-plan** branch only when the facts fit the additional “lump sum” formulation. A provider should therefore not assume that every discounted payoff receives RSA 399-D:16’s treatment, nor that a non-lump-sum discount escapes RSA 399-D entirely. The agreement, payment mechanics, representations, and actual service determine the branch. **C004.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### 1.4 Custodial versus noncustodial\n\nA provider that only advises or negotiates may still need the debt-adjuster license because RSA 399-D:1 IX(a)–(c) does not require possession of funds. A provider that receives debtor money for creditor distribution independently fits IX(d). **C001, C017.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\nFor a custodial **consumer** program, RSA 399-G:3 VI supplies a specific money-transmitter exemption when all of the following are true:\n\n1. The provider is duly licensed under RSA 399-D.\n2. The money transmission is solely to provide debt adjustment to a consumer.\n3. The service is under an RSA 399-D contract.\n4. A **$100,000** bond is on file under RSA 399-D.\n\nThe ordinary RSA 399-D application bond is $25,000. Therefore, the ordinary debt-adjuster bond alone does not establish this money-transmitter exemption. **C017.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm)\n\n### 1.5 Consumer versus business purpose\n\nThe chapter does not confine “debtor” to a natural person. A debtor is a “person,” and “person” includes corporations, business trusts, partnerships, associations, and other legal or commercial entities. That text facially reaches at least some business-debt services. At the same time:\n\n- “Concessions” is defined by reference to terms more favorable to an **individual**.\n- Several contract, disclosure, and refund provisions use “consumer.”\n- No current controlling decision or accessible current agency interpretation resolving every commercial-purpose boundary was located.\n\nAccordingly, a provider should not rely on the marketing label “business debt” to avoid RSA 399-D. But this pass does not claim that every service involving every commercial obligation is covered. The underlying obligation, creditor definition, service, compensation, and custody model remain material. **C005, C018, C036.** [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\nThe separate money-transmitter problem is sharper: the special RSA 399-G:3 VI exemption expressly says service “to a consumer.” Money transmission includes receiving money for transmission from a person located in New Hampshire, and the money-transmission definitions separately recognize business-entity locations. A commercial custodial provider may therefore need a separate RSA 399-G license or another exemption even if it also holds an RSA 399-D license. That ultimate interface remains unresolved here. **C018.** [New Hampshire Government+2](https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm)\n\n### 1.6 Resident and remote-provider nexus\n\nThe licensing trigger reaches activity conducted “in this state” **or with persons located in this state**. It is not limited to providers maintaining a New Hampshire storefront. The statute also requires a foreign applicant to identify a New Hampshire resident agent and consent to service, while a branch license is tied to a separate in-state business location. **C006, C013.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm)\n\nFor money transmission requested electronically or by telephone, RSA 399-G permits location determinations using an individual’s residential address or a business entity’s principal-place-of-business or other physical address information. **C018.** [New Hampshire Government](https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm)\n\n### 1.7 Underlying creditor boundary\n\n“Creditor” means a person who regularly extends credit subject to interest or another charge, or whose written agreement is payable in more than four installments. A one-time, non-credit commercial claim or simple invoice may present a different analysis. Nevertheless, compensated counseling and the broad “otherwise engaging” branch may still matter. The exact treatment of unusual non-credit obligations remains open. **C037.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n## 2. Prohibited, licensed, authorized, and exempt models\n\n### 2.1 Core market-access result\n\nA nonexempt person engaging in debt adjustment in New Hampshire or with persons located there must obtain a Banking Department license. If the commissioner finds the completed applicant meets the chapter’s requirements, the commissioner issues a license permitting debt-adjustment business under New Hampshire law. This is ordinary licensing, not a statutory prohibition dressed up as licensing. The license is also expressly **not** an endorsement or recommendation by the state. **C007, C015.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm)\n\n### 2.2 Model-by-model access matrix\n\n| Business model | New Hampshire result | Conditions or failure cases |\n| --- | --- | --- |\n| Paid counseling with no creditor contact and no custody | **License required**, unless exempt | Counseling for direct or indirect compensation is expressly covered. |\n| Noncustodial creditor negotiation | **License required**, unless exempt | Compensation includes indirect incentives. |\n| Debt-management plan | **Licensed and conditionally permitted** | Must satisfy RSA 399-D:14 and :15, applicable federal law, and other later-pass requirements. |\n| Debt-settlement plan | **Licensed and conditionally permitted** | Must satisfy RSA 399-D:14 and :16; applicable TSR timing may be stricter. |\n| Debt-repayment plan | **Licensed and conditionally permitted** | Must satisfy RSA 399-D:14 and :17; federal overlay depends on representations and sales method. |\n| Consumer custodial/distribution plan | **Debt-adjuster license required; money-transmitter exemption conditional** | $100,000 bond and all RSA 399-G:3 VI conditions required for the specific exemption. |\n| Commercial custodial plan | **RSA 399-D likely implicated; money-transmitter result unresolved** | Consumer-limited exemption cannot simply be assumed. |\n| Nonprofit provider | **Not categorically exempt** | Statute expressly prescribes licensing application and background materials for nonprofits. |\n| New Hampshire-admitted attorney practicing law | **Statutory exemption** | Exemption is tied to being admitted in New Hampshire and actually engaged in legal practice. |\n| Company merely employing or affiliating with an attorney | **No automatic exemption established** | Attorney connection is not the statutory test. |\n| Authorized financial institution | **Exempt when adjustment occurs in regular course of principal business** | Institution and activity conditions both matter. |\n| Fiduciary | **Exempt only within stated regulatory, judicial, or probate conditions** | A generic fiduciary label is insufficient. |\n| Employee of licensed adjuster | **Exempt for regular employment duties** | A natural-person licensee’s independent contractor is expressly not treated as an employee for license coverage. |\n| Creditor restructuring its own debt | **No express general RSA 399-D exemption found** | It may fall outside “business of debt adjustment” on particular facts; this is not a categorical holding. |\n| Person designated by commissioner | **Possible rule/order exemption** | No current debt-adjuster-specific exemption rule or individual order establishing a general industry exemption was located in this pass. |\n\n**S_NH-P1-S001–S005; C007–C018, C036–C038.** [New Hampshire Government+4](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### 2.3 Attorney and nonprofit boundaries\n\nThe attorney exemption applies to an attorney admitted in New Hampshire “when engaged in such practice.” It does not state that an attorney-affiliated marketing company, call center, lead generator, or adjustment company becomes exempt. Moreover, a person operating under the debt-adjustment chapter may not practice law, offer legal services, give legal advice, or use misleading attorney-related authority. **C009, C038.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm)\n\nThere is no general nonprofit exemption in RSA 399-D:3. The licensing application statute separately specifies nonprofit financial statements and board-member background checks, which strongly confirms that nonprofit status ordinarily changes application materials rather than eliminating the license. **C010.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm)\n\n### 2.4 Institutional exclusions\n\nThe explicit state exemptions are:\n\n- New Hampshire-admitted attorneys acting in legal practice.\n- Financial institutions authorized to transact business in New Hampshire and adjusting debt in the regular course of principal business.\n- Certain regulated or court-supervised fiduciaries.\n- Employees of licensees acting in regular employment.\n- Other persons designated by commissioner rule or order.\n\nA “financial institution” includes banks, savings institutions, credit unions, trust companies, and persons licensed under RSA 361-A, 397-A, or 399-A. **C008, C011.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\nMortgage-loss-mitigation intermediaries not subject to RSA 397-A are included in debt adjustment, while persons specifically exempt under RSA 397-A:4 are excluded from that intermediary branch. That does not create a general mortgage or creditor exemption for unrelated debt-settlement activity. **C003.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n## 3. Current fee structures, bases, limits, and adjustments\n\n### 3.1 Fee base\n\n“Indebtedness” is the outstanding principal stated in the contract, excluding current or projected interest and fees. Both the DMP and settlement percentage ceilings use total indebtedness as stated in the contract. **C019.** [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### 3.2 Applicable fee table\n\n| Structure | Base and ceiling | Collection schedule | Cancellation/refund result |\n| --- | --- | --- | --- |\n| **All covered contracts** | Contract must disclose total service charges; maximum term 60 months. | No entitlement to any fee before debtor signs. | Contract must contain cancellation provision; separate plan rules govern where stated. |\n| **DMP, 10 months or less** | ≤10% of total principal indebtedness. | Equal monthly amortization. No fee until contract has existed 30 days and creditor threshold is met. | Qualified cancellation/default fee: lesser of 5% of remaining service charges or $50. |\n| **DMP, >10 but <18 months** | ≤12.5% of total principal indebtedness. | Same. | Same. |\n| **DMP, ≥18 months** | ≤15% of total principal indebtedness. | Same. | Same. |\n| **Settlement plan** | ≤15% of total principal indebtedness. | No fee before day 30; thereafter a monthly amortized fee at 30-day intervals. Current state text does not prescribe an equal-installment formula. | No settlement-specific cancellation-fee formula or general voluntary-cancellation refund formula was located in §16. |\n| **Repayment plan** | No separate numeric ceiling appears in §17. Total charges must be agreed in the written contract. | No fee before signature; no additional state plan-specific performance schedule was found. | Qualified cancellation/default fee: lesser of 5% of remaining service charges or $50. |\n| **Third-party/fair-share compensation** | Dollar amount must be disclosed and agreed in writing before execution. | Timing beyond pre-execution disclosure is not specified in §14 IV. | Whether creditor fair share is included in the DMP/settlement percentage ceiling is unresolved. |\n| **Unlicensed activity or violation of §§14–17** | No interest or charges may be collected, received, or retained. | Not applicable. | Direct or indirect compensation must be refunded and contract is null and void. |\n\n**C019–C031, C035.** [New Hampshire Government+4](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm)\n\n### 3.3 DMP creditor threshold\n\nIn addition to the 30-day waiting period, a DMP licensee may not receive a fee unless it has written acceptance from creditors holding at least 25% of total indebtedness and either:\n\n- At least 25% of the number of creditors listed in the contract; or\n- A distribution has been made to at least 25% of the number of creditors.\n\nThis is a conjunctive amount-plus-count/distribution test. **C021.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n\n### 3.4 Cancellation and default fees\n\nFor DMPs and repayment plans, the cancellation/default formula applies only when:\n\n- The debtor provides 30 days’ written cancellation notice, or willfully defaults by failing to make contractually obligated payments for 30 days; and\n- The licensee performed all contractually required services.\n\nThe amount is the lesser of 5% of remaining service charges or $50. The current text does not clearly state whether this fee sits inside or outside an otherwise applicable aggregate percentage ceiling. That interaction remains held. **C022, C027.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n\n### 3.5 Setup, enrollment, monthly, per-debt, and savings fees\n\n- **Setup/enrollment:** No current statutory section establishes a separate setup or enrollment fee. DMP and settlement fees are monthly and cannot begin before day 30. The Department’s unread FAQ search excerpt says enrollment fees have not been allowed since January 1, 2017, but the full page could not be fetched. **C029, C039.** [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n- **Monthly:** DMP fees must be equal monthly amounts, subject to cent-rounding. Settlement fees are described as monthly amortized, but the current text does not supply an equal-payment formula. **C020, C024.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n- **Per debt:** New Hampshire’s state ceiling is based on total contractual principal, not an express state per-debt fee. An applicable federal TSR allocation rule may create a per-debt earning calculation after performance. **C030, C032–C033.** [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n- **Percentage of savings:** No New Hampshire savings-based ceiling was located. The TSR permits a constant savings percentage as one federal allocation option after the federal trigger, but that does not override New Hampshire’s aggregate 15% principal cap. **C030, C033.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n- **Fair share or other indirect compensation:** It is statutory “compensation” and must be disclosed when paid by another party. The current text does not resolve whether every fair-share contribution counts toward the phrase “licensee’s fees” in the DMP and settlement ceilings. **C002, C028.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### 3.6 Current amounts and historical reconciliation\n\nThe current percentage caps and $50 cancellation limit are fixed in the statute. No CPI formula or annual debt-adjuster fee bulletin was found. Older fee charts or pre-2017 enrollment-fee structures should not be carried forward automatically because HB 1618 repealed and reenacted RSA 399-D effective January 1, 2017. **C031, C039.** [New Hampshire Government+3](https://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP)\n\nThe government application and renewal fee is presently $500 for the principal office and $500 for each New Hampshire branch. Effective October 1, 2027, the principal-office amount becomes $750 while the branch amount remains $500. These are government licensing charges, not consumer charges. **C014.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm)\n\n## 4. When fees may be requested or received\n\n## 4.1 State-law sequence\n\n### All plans\n\nA written contract must be made and a copy furnished immediately. It must include the services, obligations and creditors as applicable, total charges, start and end dates, cancellation, and applicable prepayment terms. No fee entitlement exists before signature. **C019.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm)\n\n### DMP\n\nState prerequisites are:\n\n1. Signed written contract.\n2. Contract effective at least 30 days.\n3. Written creditor acceptance covering at least 25% of total indebtedness.\n4. At least 25% of creditor count accepted, or a distribution to at least 25% of creditor count.\n5. Thereafter, equal monthly fees at 30-day intervals.\n\nApplicable federal law may require a still-later performance event. **C020–C021, C032.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n\n### Settlement\n\nThe state statute says:\n\n1. Signed written contract.\n2. At least 30 days in effect.\n3. Thereafter, monthly amortized fees at 30-day intervals.\n\nIt does **not**, in its current wording, expressly state that the first creditor settlement and first consumer payment are state prerequisites. However:\n\n- The Department’s current search-index excerpt says fees cannot be collected until an agreement exists with a creditor and an initial payment has been made, and that the licensee is entitled to collect only for successfully negotiated creditors.\n- The FAQ body returned 403, so its full context, legal basis, exceptions, and update date were not verified.\n- The federal TSR imposes that performance trigger when it applies.\n- RSA 399-D:14 XI makes violations of applicable federal law violations of the state chapter.\n\nTherefore, the mere passage of 30 days is **not a verified sufficient basis** for a typical telemarketed consumer settlement fee. **C024–C025, C032, C039.** [New Hampshire Government+3](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm)\n\n### Repayment\n\nNo state repayment-plan performance milestone beyond the signed-contract rule was found in RSA 399-D:17. The Department’s search excerpt states that total charges must be agreed in the written contract before collection. Whether the TSR or CROA imposes a later event depends on the program’s representations and sales method. **C026–C027, C039.** [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm)\n\n## 4.2 Independently applicable federal TSR baseline\n\nFor a covered telemarketing debt-relief service, 16 C.F.R. §310.4(a)(5) prohibits requesting or receiving a fee until:\n\n1. At least one debt has been renegotiated, settled, reduced, or otherwise altered under a valid creditor agreement;\n2. The customer has made at least one payment under that agreement; and\n3. If debts are resolved individually, the fee is allocated either:Pro rata according to the individual debt’s enrolled balance relative to total enrolled debt; orAs a constant percentage of savings across debts.\n\nThe rule’s debt-relief definition covers represented alterations of unsecured debt terms, including balance, interest, or fees. Its telemarketing definition generally requires a campaign involving more than one interstate telephone call. Inbound calls responding to general advertisements or direct mail do not receive the usual exemption when the advertisement concerns debt-relief services. **C032–C033.** [eCFR+3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2)\n\nThe TSR is not assumed universally applicable. Entity jurisdiction, call facts, debt type, representations, and exemptions still matter. Calls between a telemarketer and a business to induce a business purchase are generally exempt under §310.6(b)(7); the listed exceptions do not include the debt-relief advance-fee provision. That federal B2B result does not create an exemption from RSA 399-D. **C034.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6)\n\n### Dedicated accounts\n\nThe TSR permits funds to be accumulated before fees are earned only under specified conditions, including insured-institution custody, consumer ownership, independent account administration, no referral payments, penalty-free withdrawal, and return of unearned funds within seven business days after the customer’s request. This is not a state bond or trust exception to the federal performance trigger. **C033.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## 4.3 Conditional credit-repair overlap\n\nA provider can also trigger credit-repair rules when it expressly or implicitly represents that paid services will improve an individual consumer’s credit record, history, or rating. CROA defines that activity separately and prohibits payment before the agreed service is fully performed. It excludes, among others, true §501(c)(3) organizations, a creditor restructuring its own debt, and depository institutions or credit unions. The telemarketing rule has an additional credit-repair timing provision tied to the represented service period and a consumer report issued more than six months after the claimed results. **C035.** [U.S. Code+2](https://uscode.house.gov/us/usc/119-118/t15/s1679a/)\n\nThis is a conditional overlap finding—not a conclusion that every New Hampshire debt-adjuster program is a credit-repair service or that a federal nonprofit exclusion creates a New Hampshire nonprofit exemption.\n\n## 5. Regulator permission, public lookup, and application procedure\n\n### 5.1 Issuing authority and procedure\n\nThe issuing regulator is the New Hampshire Bank Commissioner through the New Hampshire Banking Department. The applicant must file one verified application through NMLS. Required statutory materials include organizational information, trade-name authority, principal and branch locations, a New Hampshire resident agent for a foreign entity, financial statements, principals and background-check authorization, a blank proposed debtor contract, and other information requested by the commissioner. **C013.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\nThe application requirements distinguish for-profit and nonprofit financial statements and require board-member background checks for nonprofit applicants. A $25,000 continuous surety bond is part of the ordinary debt-adjuster application. **C010, C013, C017.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm)\n\nAfter a complete application and payment, the commissioner has up to 120 days to investigate. A compliant applicant is issued a license. Licenses generally expire December 31; an initial license issued from November 1 through December 31 can run through December 31 of the following year. **C015.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-5.htm)\n\nEffective October 1, 2026, an application may be deemed abandoned when the applicant does not respond within 180 calendar days to a Department communication, including an NMLS communication requesting a response. **C016.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-6.htm)\n\n### 5.2 Current statutory government fees\n\n- Principal-office application: **$500** through September 30, 2027.\n- Each in-state branch application: **$500**.\n- Principal-office renewal: **$500** through September 30, 2027.\n- Each branch renewal: **$500**.\n- Beginning October 1, 2027: principal application and renewal become **$750**; branch remains **$500**.\n\nNMLS system processing charges, background-check costs, and the precise current state-specific checklist attachments were not independently verified from an exported New Hampshire checklist and remain held. **C014.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm)\n\n### 5.3 Operational pages and public verification\n\nThe current Banking Department search results state that all new New Hampshire debt-adjuster licensing is conducted through NMLS, and its license-verification material directs users to NMLS Consumer Access. Direct retrieval of those Banking Department page bodies returned 403. The statute itself independently mandates the NMLS filing, so the blocked operational page does not create a permission gap. **C013, C040.** [New Hampshire Banking Department+2](https://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters)\n\nNMLS describes Consumer Access as a searchable public site for state-licensed companies, branches, and individuals. It also provides a Checklist Compiler for exporting state-supplied requirements. **C040.** [Nationwide Licensing System+3](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx)\n\nNo company name or NMLS ID was provided in this assignment. Accordingly, this report verifies the public procedure but does not declare any named provider licensed, exempt, active, or authorized.\n\n### 5.4 Current regulations\n\nThe current official Banking Department rule table of contents lists Ban 100, 500, 700, 1100, 1400, and 1800, but does not publish a current Ban 3700 debt-adjuster chapter. Historical filing records show Ban 3700 adopted in 1996 and selected Ban 3702 provisions adopted or readopted in 1996 and 2001. Current RSA 541-A:17 generally limits a rule’s effectiveness to 10 years absent extension or readoption. No later Ban 3700 readoption appears in the reviewed filing history. **C041.** [New Hampshire Government+5](https://gc.nh.gov/rules/state_agencies/ban.html)\n\nTherefore, this pass does **not** apply the old Ban 3700 trust-account, location, choice-of-law, or agent provisions as current rules. The exact historical expiration date or formal expiration instrument for every provision was not recovered and remains a source-status gap.\n\n## 6. Bounded worked examples\n\nThese calculations assume the provider is licensed, the contract is otherwise valid, no lower contractual fee applies, and all applicable state and federal earning conditions have been satisfied. They show ceilings or classifications, not a provider authorization.\n\n### Example 1 — Ten-month DMP\n\nPlain text\n```\nInputs\n  Total contractual principal indebtedness: $6,000.00\n  Plan length: 10 months\n\nState fee base\n  $6,000.00 principal\n  Current/projected interest and fees excluded\n\nOperator\n  $6,000.00 × 10%\n\nAggregate state ceiling\n  $600.00\n\nEqual monthly amortization\n  $600.00 ÷ 10 = $60.00 per month\n\nRounding\n  Exact to the cent; no residual cent adjustment.\n\nConditions\n  Signed written contract.\n  Contract in effect at least 30 days.\n  Required creditor amount and creditor-count/distribution thresholds met.\n  Applicable federal performance trigger also met if the TSR applies.\n```\n\n**Authority:** C019–C021, C032. [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### Example 2 — Seventeen-month DMP and rounding\n\nPlain text\n```\nInputs\n  Total principal indebtedness: $10,000.00\n  Plan length: 17 months\n\nApplicable tier\n  More than 10 months but less than 18 months: 12.5%\n\nAggregate ceiling\n  $10,000.00 × 12.5% = $1,250.00\n\nUnrounded monthly amount\n  $1,250.00 ÷ 17 = $73.529411...\n\nIllustrative cent reconciliation\n  16 months × $73.53 = $1,176.48\n  Final month = $73.52\n  Total = $1,250.00\n```\n\nThe statute requires equal monthly amortization but does not prescribe a cent-rounding convention. The one-cent final adjustment is arithmetic only, not a verified Department-approved schedule. **C020.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n\n### Example 3 — DMP creditor-acceptance test\n\nPlain text\n```\nContract creditors and principal balances\n  Creditor A: $6,000\n  Creditor B: $2,000\n  Creditor C: $1,000\n  Creditor D: $1,000\n  Total:      $10,000\n\nScenario A\n  Written acceptance from Creditor A.\n  Amount test: $6,000 ÷ $10,000 = 60%      -> passes 25%.\n  Count test: 1 creditor ÷ 4 = 25%          -> passes 25%.\n  State creditor threshold met.\n\nScenario B\n  Written acceptance only from Creditor B.\n  Amount test: $2,000 ÷ $10,000 = 20%       -> fails.\n  Count test: 1 creditor ÷ 4 = 25%           -> passes.\n  Overall threshold fails because the amount test is mandatory.\n```\n\nA qualifying payment distribution to at least 25% of the creditor count can satisfy the second branch, but not the separate 25%-of-indebtedness acceptance requirement. **C021.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n\n### Example 4 — DMP or repayment cancellation fee\n\nPlain text\n```\nCase A\n  Remaining service charges: $600.00\n  5% of remaining charges: $30.00\n  Statutory comparison: lesser of $30.00 or $50.00\n  Result: $30.00\n\nCase B\n  Remaining service charges: $2,000.00\n  5% of remaining charges: $100.00\n  Statutory comparison: lesser of $100.00 or $50.00\n  Result: $50.00\n```\n\nThese results assume the required 30-day written cancellation notice—or a qualifying 30-day willful payment default—and that the provider performed all contractually required services. Whether the fee is additionally constrained by the aggregate DMP percentage ceiling remains unresolved. **C022, C027.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm)\n\n### Example 5 — Settlement aggregate cap and federal pro-rata earning\n\nPlain text\n```\nInputs\n  Total enrolled principal: $30,000\n  Contracted aggregate fee: 15%\n\nNew Hampshire aggregate ceiling\n  $30,000 × 15% = $4,500\n\nFirst individually resolved debt\n  Enrolled balance: $12,000\n\nFederal pro-rata allocation\n  $12,000 ÷ $30,000 = 40%\n  40% × $4,500 = $1,800 potentially earned\n\nRequired federal events\n  Valid agreement altering that debt.\n  At least one customer payment under that agreement.\n```\n\nThe $1,800 is not earned merely because 30 days have elapsed. It is the pro-rata amount only after the federal trigger, assuming the TSR applies and no lower contractual or state limitation controls. **C024–C025, C032–C033.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm)\n\n### Example 6 — Alternative federal savings calculation\n\nPlain text\n```\nEnrolled balance of resolved debt: $12,000\nAmount actually paid to satisfy debt: $7,000\nSavings: $12,000 − $7,000 = $5,000\n\nAssumed contractual savings percentage: 20%\nPotential fee: $5,000 × 20% = $1,000\n```\n\nThe 20% figure is an example contract term, not a New Hampshire statutory percentage. The same percentage must be used across individually resolved debts, the federal performance trigger must be satisfied, and total collected fees still cannot exceed the applicable New Hampshire aggregate ceiling. **C030, C033.** [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Example 7 — Lower-debt, partial settlement, and previous fees\n\nPlain text\n```\nTotal enrolled principal: $5,000\nNew Hampshire 15% aggregate ceiling: $750\n\nFirst resolved debt balance: $1,000\nFederal pro-rata share:\n  $1,000 ÷ $5,000 × $750 = $150\n\nAssume prior properly earned fees: $650\nRemaining New Hampshire aggregate headroom:\n  $750 − $650 = $100\n\nCurrent result\n  Federal allocation calculation: $150\n  Remaining state aggregate ceiling: $100\n  Maximum additional amount under these assumptions: $100\n```\n\nThe federal allocation method does not enlarge the state aggregate ceiling. **C025, C033.** [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm)\n\n### Example 8 — Federal dedicated-account withdrawal\n\nPlain text\n```\nCustomer-owned dedicated-account balance: $2,000\nFee already earned under the federal trigger: $300\nUnearned/customer funds: $2,000 − $300 = $1,700\n\nResult if TSR dedicated-account provision applies\n  $1,700 must be returned within seven business days\n  after the customer's withdrawal request.\n```\n\nThis is the federal dedicated-account return rule, not a general New Hampshire voluntary-cancellation refund formula. **C033, C030.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Example 9 — Repayment-plan reclassification\n\nPlain text\n```\nInitial facts\n  Principal: $12,000\n  Schedule: 12 monthly payments\n  No creditor reduction in interest, finance charges,\n  late fees, default fees, or delinquency fees.\n  No lump-sum payoff for less than principal.\n\nInitial classification\n  Potential debt-repayment plan.\n  No plan-specific numerical state fee ceiling established.\n  Exact permissible service charge: held.\n\nChanged facts\n  Creditors agree to reduce financing and late charges.\n  The plan now fits the statutory DMP definition.\n\nDMP ceiling after reclassification\n  12 months -> 12.5% tier\n  $12,000 × 12.5% = $1,500 aggregate ceiling\n```\n\nA provider cannot preserve the repayment-plan fee treatment merely by retaining a repayment marketing label after the service facts become a DMP. **C003–C004, C023, C026.** [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### Example 10 — Discounted installment resolution\n\nPlain text\n```\nOriginal principal: $20,000\nCreditor agrees to accept: $12,000\nPayment method: four installments, not one lump sum\n\nResult\n  Compensated negotiation is covered debt adjustment.\n  Principal is being reduced.\n  The arrangement does not cleanly match the statutory\n  \"lump sum\" settlement-plan definition.\n  No fee section is assigned in this example without\n  reviewing the actual contract and payment mechanics.\n```\n\nThis is a classification hold, not a no-license result. **C004.** [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n### Example 11 — Remote business debtor and custody\n\nPlain text\n```\nDebtor\n  New Hampshire LLC with a New Hampshire principal place of business.\n\nProvider\n  Located outside New Hampshire.\n  Negotiates a six-installment written commercial credit obligation.\n\nNoncustodial model\n  RSA 399-D can apply because \"person\" includes a commercial entity\n  and the provider serves a person located in New Hampshire.\n\nCustodial model\n  Provider also receives LLC money to transmit to creditor.\n  The special RSA 399-G debt-adjuster exemption says \"to a consumer.\"\n  Separate money-transmitter licensing or another exemption must be analyzed.\n```\n\nThe federal TSR’s B2B exemption does not answer the state licensing issue. **C005–C006, C018, C034.** [New Hampshire Government+4](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm)\n\n# B. Source table\n\n| Source ID | Title / issuer and direct literal URL | Exact pinpoint / status | Actual check and limitations |\n| --- | --- | --- | --- |\n| **S_NH-P1-S001** | **RSA Chapter 399-D, Debt Adjustment Services — New Hampshire General Court**  https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-mrg.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-5.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-6.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-13.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-17.htm https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-21.htm | §§1–6, 13–17, 21. Current codified statute. Relevant source histories include 2016 enactment effective January 1, 2017; later amendments through 2026, including current/future licensing-fee text. | Actual HTML passages read October 24, 2026. Controlling state authority for this pass. Future-effective provisions distinguished from current provisions. [New Hampshire Government+11](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) |\n| **S_NH-P1-S002** | **RSA Chapter 399-G, Licensing of Money Transmitters — New Hampshire General Court**  https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-mrg.htm https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm https://gc.nh.gov/rsa/html/XXXVI/399-G/399-G-3.htm https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-7.htm | §2 XI, XVIII, XXVI–XXVII; §3 VI; §7. Effective chapter beginning October 22, 2024. | Actual HTML read. Consumer debt-adjuster exemption verified; full commercial-custody licensing analysis deferred. [New Hampshire Government+2](https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm) |\n| **S_NH-P1-S003** | **Current Banking Department Administrative Rules Table of Contents — New Hampshire General Court**  https://gc.nh.gov/rules/state_agencies/ban.html | Current published Ban chapters; no Ban 3700 listed. | Actual current TOC read. Absence from current publication supports nonreliance on historical Ban 3700 but does not identify each historical expiration instrument. [New Hampshire Government+1](https://gc.nh.gov/rules/state_agencies/ban.html) |\n| **S_NH-P1-S004** | **Banking Department Rule Filing History — New Hampshire General Court / Office of Legislative Services**  https://gc.nh.gov/rules/filing_history/sourceban.html | Documents #6278, #6389, #7438–#7440; filing history through August 2026. | Actual filing-history passages read. Shows historical adoption/readoption, not current operative text. No later Ban 3700 readoption found in reviewed history. [New Hampshire Government+2](https://gc.nh.gov/rules/filing_history/sourceban.html) |\n| **S_NH-P1-S005** | **RSA 541-A:17, Time Limit — New Hampshire General Court**  https://gc.nh.gov/rsa/html/LV/541-A/541-A-17.htm | Paragraph I: general 10-year rule limit, subject to statutory extension/readoption mechanisms. | Actual current provision read. It helps assess historical rules but does not itself recover each old Ban 3700 expiration date. [New Hampshire Government](https://gc.nh.gov/rsa/html/LV/541-A/541-A-17.htm) |\n| **S_NH-P1-S006** | **HB 1618, Version 13, adopted by both bodies — New Hampshire General Court**  https://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP | Lines/sections showing repeal and reenactment of RSA 399-D; effective January 1, 2017. | Actual enacted-version HTML read. Historical enactment source; current codified statute controls current wording. No model act was treated as enacted law. [New Hampshire Government](https://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP) |\n| **S_NH-P1-S007** | **Debt-adjuster operational and licensing pages — New Hampshire Banking Department**  https://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters https://www.banking.nh.gov/consumer-credit-licensees-registrants/consumer-credit-forms-instructions-laws https://www.banking.nh.gov/license-verification https://www.banking.nh.gov/consumer-credit-licensees-registrants | Search-index excerpts state new debt-adjuster licensing is through NMLS and license verification is available through NMLS Consumer Access. | Official search excerpts read; direct page bodies returned 403. Used as operational corroboration, not as a substitute for statutory permission. [New Hampshire Banking Department+3](https://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters) |\n| **S_NH-P1-S008** | **Debt-adjuster fee FAQs — New Hampshire Banking Department**  https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-management-licensee https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-repayment-licensee https://www.banking.nh.gov/faq/what-fees-are-allowed-be-collected-debt-adjustment-activities | Search excerpts address settlement performance, DMP day-30 timing, repayment written charges, and enrollment fees. | Discovery only. Each relevant full FAQ page was inaccessible or its hub returned 403. No categorical conclusion relies solely on the excerpts. [New Hampshire Banking Department+3](https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee) |\n| **S_NH-P1-S009** | **NMLS Consumer Access and Checklist Compiler — Conference of State Bank Supervisors / NMLS**  https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Information-about-NMLS-Consumer-Access.aspx https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html | Public license-information search and state-checklist export functions. | Actual public descriptions read. A current exported New Hampshire debt-adjuster checklist was not successfully retrieved; exact current NMLS system fees and checklist-only attachments are held. [Nationwide Licensing System+3](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx) |\n| **S_NH-P1-S010** | **16 C.F.R. §310.2 — eCFR / National Archives**  https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 | Definitions of customer, debt-relief service, person, seller, telemarketer, and telemarketing. | Actual eCFR read; title 16 displayed as up to date through October 22, 2026 and last amended October 19, 2026. Federal coverage is conditional. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2) |\n| **S_NH-P1-S011** | **16 C.F.R. §310.4 — eCFR / National Archives**  https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | §310.4(a)(2) and (a)(5): credit-repair and debt-relief fee timing, individual-debt allocation, dedicated accounts. | Actual current eCFR passages read. Applied only when TSR coverage is independently established. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_NH-P1-S012** | **16 C.F.R. §310.6 — eCFR / National Archives**  https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6 | §310.6(b)(5)–(7): debt-relief inbound-ad/direct-mail exceptions and B2B-call exemption. | Actual current eCFR read. Does not resolve every FTC-jurisdiction issue. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6) |\n| **S_NH-P1-S013** | **15 U.S.C. §1679a — Office of the Law Revision Counsel**  https://uscode.house.gov/us/usc/119-118/t15/s1679a/ | Definitions of consumer and credit-repair organization; listed exclusions. | Actual U.S. Code text read, current through Public Law 119-120, October 7, 2026. Conditional overlap only. [U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) |\n| **S_NH-P1-S014** | **15 U.S.C. §1679b — Office of the Law Revision Counsel**  https://uscode.house.gov/us/usc/119-118/t15/s1679b/ | Subsection (b), payment in advance. | Actual U.S. Code text read, current through Public Law 119-120, October 7, 2026. [U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1679b/) |\n\n# C. Claim table\n\n| Claim ID | Precise assertion | Source and pinpoint | Conditions, exceptions, and confidence limit |\n| --- | --- | --- | --- |\n| **S_NH-P1-C001** | Compensated counseling, contract creation, negotiation, fund distribution/control, and concession intermediation can each constitute debt adjustment. | S001, RSA 399-D:1 IX(a)–(f). [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | High confidence from current text; actual facts still control. |\n| **S_NH-P1-C002** | Compensation includes fees, creditor fair-share contributions, and other financial or similar incentives. | S001, RSA 399-D:1 IV, XVII. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | Direct and indirect funding matter. Exact cap treatment of fair share is unresolved. |\n| **S_NH-P1-C003** | DMP, settlement, and repayment plans have different statutory elements. | S001, RSA 399-D:1 XI–XIII. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | Marketing labels do not override actual elements. |\n| **S_NH-P1-C004** | Principal reduction through a non-lump-sum structure remains debt adjustment but may not cleanly fit the statutory settlement-plan branch. | S001, RSA 399-D:1 IX, XIII. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | Classification inference; contract and payment mechanics required. |\n| **S_NH-P1-C005** | “Debtor” and “person” include legal and commercial entities, so business-purpose activity cannot be assumed outside RSA 399-D. | S001, RSA 399-D:1 XIV, XXIV. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | Mixed use of “individual” and “consumer” prevents a universal commercial-coverage conclusion. |\n| **S_NH-P1-C006** | Remote providers serving persons located in New Hampshire can be subject to licensing. | S001, RSA 399-D:2. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm) | Physical office is not the only nexus. |\n| **S_NH-P1-C007** | A nonexempt covered provider must obtain a debt-adjuster license; the chapter is a licensing regime, not a categorical ban. | S001, RSA 399-D:2 and :5 II. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm) | License is not an endorsement. |\n| **S_NH-P1-C008** | Express exemptions cover qualifying attorneys, authorized financial institutions, qualifying fiduciaries, employees of licensees, and persons designated by commissioner rule/order. | S001, RSA 399-D:3. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm) | Each exemption’s activity conditions matter. |\n| **S_NH-P1-C009** | An attorney connection alone is insufficient; the exemption requires New Hampshire admission and engagement in legal practice. | S001, RSA 399-D:3 I. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm) | No conclusion about a specific law-firm structure without facts. |\n| **S_NH-P1-C010** | Nonprofit status does not create a general state exemption. | S001, RSA 399-D:3 and :4 II(e)(2), III(a). [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm) | Statute affirmatively anticipates nonprofit applicants. |\n| **S_NH-P1-C011** | Financial-institution and fiduciary exemptions are conditional, not label-only. | S001, RSA 399-D:1 XVIII–XIX; :3 II–III. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | Authorization and regular-course or supervisory facts must be verified. |\n| **S_NH-P1-C012** | No current general commissioner-created debt-adjuster exemption was located. | S003–S005; RSA 399-D:3 V. [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm) | Search result, not proof that no individual order exists. |\n| **S_NH-P1-C013** | Application is a verified NMLS filing with statutory organizational, financial, background, contract, and service-of-process materials. | S001, RSA 399-D:4 I–VII. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm) | Exact current checklist-only attachments remain unresolved. |\n| **S_NH-P1-C014** | Current government application/renewal fee is $500 principal and $500 per branch; principal becomes $750 on October 1, 2027. | S001, RSA 399-D:4 II(b); :5 IX. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm) | Government charges, not consumer service fees. |\n| **S_NH-P1-C015** | Commissioner has up to 120 days after complete filing/payment; compliant applicant is issued annual license expiring December 31. | S001, RSA 399-D:5 I–VIII-a. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-5.htm) | Approval is not guaranteed merely by filing. |\n| **S_NH-P1-C016** | Since October 1, 2026, a 180-day failure to respond to any Department/NMLS communication can support abandonment. | S001, RSA 399-D:6 V current version. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-6.htm) | Effective-date distinction verified. |\n| **S_NH-P1-C017** | Ordinary debt-adjuster bond is $25,000; consumer debt-adjustment money-transmission exemption requires $100,000 and other conditions. | S001, RSA 399-D:4 IV; S002, RSA 399-G:3 VI. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm) | Full bond mechanics deferred. |\n| **S_NH-P1-C018** | Commercial custodial activity has an unresolved RSA 399-G interface because the debt-adjuster MT exemption is consumer-limited. | S002, RSA 399-G:2 XI, XVIII, XXVI–XXVII; :3 VI; :7. [New Hampshire Government+2](https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm) | Separate MT license or another exemption may be required. |\n| **S_NH-P1-C019** | All covered contracts must disclose total charges and cannot exceed 60 months; no fee is due before signature. | S001, RSA 399-D:14 I–III. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm) | Later plan-specific and federal rules can be stricter. |\n| **S_NH-P1-C020** | DMP fees are equally amortized monthly and cannot begin before the contract has existed 30 days. | S001, RSA 399-D:15 I–II. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm) | Creditor threshold and federal overlay also apply. |\n| **S_NH-P1-C021** | DMP fee receipt requires written acceptances covering at least 25% of total indebtedness plus the creditor-count/distribution test. | S001, RSA 399-D:15 III. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm) | Both the amount test and one of the two count alternatives are required. |\n| **S_NH-P1-C022** | DMP cancellation/default fee is lesser of 5% remaining service charges or $50, subject to stated notice/default and performance conditions. | S001, RSA 399-D:15 VI–VII. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm) | Aggregate-cap interaction unresolved. |\n| **S_NH-P1-C023** | DMP fee ceilings are 10%, 12.5%, and 15% according to plan length and use total principal indebtedness. | S001, RSA 399-D:1 XXI; :15 V. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | These are ceilings, not mandatory fees. |\n| **S_NH-P1-C024** | Settlement fees use total principal indebtedness and cannot exceed 15%. | S001, RSA 399-D:1 XXI; :16 II. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | State has no verified savings-based alternative. |\n| **S_NH-P1-C025** | State settlement text allows a monthly amortized fee only after day 30, but does not state an equal formula or express first-settlement trigger. | S001, RSA 399-D:16 I. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm) | Applicable federal law and official interpretation may impose later timing. |\n| **S_NH-P1-C026** | Repayment-plan §17 contains no separate percentage/dollar ceiling; §14 requires total charges in the signed contract. | S001, RSA 399-D:14 II(d), III; :17. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm) | Not a finding that every contract amount is lawful. |\n| **S_NH-P1-C027** | Repayment cancellation/default fee follows the lesser-of-5%-or-$50 formula. | S001, RSA 399-D:17 I–II. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-17.htm) | Conditions mirror those stated in §17. |\n| **S_NH-P1-C028** | Third-party direct or indirect compensation must be disclosed and agreed in writing before contract execution. | S001, RSA 399-D:14 IV. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm) | Whether fair share falls inside percentage cap unresolved. |\n| **S_NH-P1-C029** | No verified current statutory pathway for a separate enrollment/setup fee was established. | S001, RSA 399-D:14–:17; S008 discovery excerpt. [New Hampshire Government+4](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm) | Agency FAQ body inaccessible; do not rely on excerpt alone. |\n| **S_NH-P1-C030** | New Hampshire supplies no express per-debt or savings-based state fee formula. | S001, RSA 399-D:15 V and :16 II. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm) | Federal TSR may control post-performance allocation. |\n| **S_NH-P1-C031** | Current debt-adjuster consumer-fee amounts are fixed, not verified as CPI-indexed. | S001, RSA 399-D:15–:17. [New Hampshire Government+2](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm) | No current adjustment notice located. |\n| **S_NH-P1-C032** | Covered TSR debt-relief fees require one altered debt, a valid agreement, and one customer payment. | S010–S011, 16 C.F.R. §§310.2(o), 310.4(a)(5)(i)(A)–(B). [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2) | Federal coverage must first be established. |\n| **S_NH-P1-C033** | TSR individual-debt fees use pro-rata balance or constant savings percentage; compliant dedicated accounts have withdrawal/return conditions. | S011, §310.4(a)(5)(i)(C), (ii). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Federal calculation does not enlarge state ceiling. |\n| **S_NH-P1-C034** | B2B telemarketing calls generally receive §310.6(b)(7)’s exemption, whose exceptions do not include §310.4(a)(5). | S012, §310.6(b)(7). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6) | Does not exempt provider from New Hampshire law. |\n| **S_NH-P1-C035** | Credit-improvement representations can trigger CROA and TSR credit-repair timing independently. | S011, §310.4(a)(2); S013–S014, 15 U.S.C. §§1679a–1679b. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | No universal debt-settlement/CROA equivalence asserted. |\n| **S_NH-P1-C036** | Applicable federal-law violations are also violations of RSA 399-D. | S001, RSA 399-D:14 XI. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm) | Only “applicable” federal law is incorporated. |\n| **S_NH-P1-C037** | The statutory creditor definition requires regular credit with interest/charge or a written obligation payable in more than four installments. | S001, RSA 399-D:1 VII. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm) | Non-credit claims and unusual debts need separate classification. |\n| **S_NH-P1-C038** | A debt adjuster may not purchase the obligation, dual-role collect for creditor and adjust for debtor on the same account, take security for fees, pay referral compensation, or provide legal services/advice. | S001, RSA 399-D:13 III–IV. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-13.htm) | Full referral, marketing, and remedies pass remains open. |\n| **S_NH-P1-C039** | Department fee FAQ excerpts indicate no enrollment fee and a settlement-performance trigger, but their full pages were not read. | S008; direct fetches returned 403. [New Hampshire Banking Department+1](https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee) | Discovery-only hold. |\n| **S_NH-P1-C040** | Current public procedure points to NMLS filing and NMLS Consumer Access, but no named provider status was checked. | S001, RSA 399-D:4; S007–S009. [New Hampshire Government+3](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm) | Procedure is distinct from authorization of a company. |\n| **S_NH-P1-C041** | Historical Ban 3700 material is not treated as current operative law. | S003–S005. [New Hampshire Government+3](https://gc.nh.gov/rules/state_agencies/ban.html) | Exact expiration date/instrument remains unresolved. |\n| **S_NH-P1-C042** | No general self-creditor exemption appears in RSA 399-D:3. | S001, RSA 399-D:3. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm) | A creditor acting solely for itself may fall outside covered business on facts; not finally resolved. |\n| **S_NH-P1-C043** | A §14–§17 violation or required-license failure eliminates charges, requires compensation refund, and voids the contract. | S001, RSA 399-D:21 II. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-21.htm) | Full remedy and business-debtor application deferred. |\n| **S_NH-P1-C044** | Settlement §16 has no express cancellation-fee formula or general voluntary-cancellation refund formula. | S001, RSA 399-D:16. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm) | Federal dedicated-account return rule may separately apply. |\n| **S_NH-P1-C045** | No controlling published decision interpreting the current 2017 reenacted fee structure was located in this pass. | Targeted official/federal court searches; no current opinion relied upon. | Search result only, not proof that no decision exists; dedicated case-law pass remains required. |\n\n# D. Scope coverage and gap table\n\n| Component | Status | Supporting claims | Missing evidence / exact next investigation |\n| --- | --- | --- | --- |\n| Umbrella debt-adjustment definition | **Answered** | C001–C004 | Test unusual models against actual contracts and representations. |\n| DMP, settlement, repayment classification | **Answered with edge hold** | C003–C004 | Resolve installment-discount arrangements and hybrid plans through agency orders/cases. |\n| Noncustodial coverage | **Answered** | C001 | No further access issue for basic classification. |\n| Consumer custodial model | **Answered for specific MT exemption** | C017 | Full bond, account, insolvency, and funds-control pass remains. |\n| Commercial custodial model | **Unresolved** | C005, C018 | Analyze RSA 399-G license requirements, other exemptions, and agency treatment of commercial debt adjusters. |\n| Consumer/business-purpose boundary | **Partial** | C005, C037 | Find current commissioner interpretation or controlling case addressing business-entity debtors and remedy wording. |\n| Remote-provider nexus | **Answered** | C006 | Apply to actual customer-location and contract facts. |\n| Core license requirement | **Answered** | C007 | None for general rule. |\n| Express license exemptions | **Answered for listed exemptions** | C008–C011 | Search individual exemption orders and sector-specific cross-references. |\n| Commissioner-created exemption | **Unresolved at individual-order level** | C012 | Search complete order/declaratory-ruling archive for RSA 399-D:3 V determinations. |\n| Attorney exemption | **Answered at statutory level** | C009, C038 | Entity structures and professional-conduct issues later. |\n| Nonprofit status | **Answered** | C010 | Federal FTC/CROA nonprofit status needs entity-specific verification. |\n| Self-creditor activity | **Partial** | C042 | Find agency/case interpretation of own-debt restructuring outside institutional exemption. |\n| DMP fee base and ceilings | **Answered** | C019–C023 | Contract amendments and debt additions/removals remain to be examined. |\n| DMP earning timing | **Answered under state text; federal conditional** | C020–C021, C032 | Confirm all TSR jurisdiction/entity facts in provider-specific pass. |\n| DMP cancellation/default fee | **Answered, cap interaction held** | C022 | Determine through agency interpretation whether cancellation amount counts within aggregate percentage cap. |\n| Settlement fee base and aggregate cap | **Answered** | C024 | No unresolved statutory percentage. |\n| Settlement state earning schedule | **Partial** | C025, C039 | Obtain full official FAQ or an accessible current interpretive document establishing the creditor-agreement/first-payment basis. |\n| Settlement monthly amortization formula | **Unresolved** | C025 | Determine whether Department requires equal monthly amounts or another schedule. |\n| Settlement cancellation/refund | **Unresolved beyond §21 and federal account rule** | C043–C044 | Inspect contracts, agency guidance, orders, and controlling cases. |\n| Repayment-plan numeric ceiling | **Unresolved because no specific ceiling located** | C026 | Obtain full Department FAQ and current licensing checklist/contract guidance; investigate whether general unfairness or other statutes supply a limit. |\n| Repayment earning timing | **Partial** | C026–C027 | Determine treatment of pure budgeting versus represented creditor-term alteration. |\n| Setup/enrollment fees | **Partial; no verified pathway** | C029, C039 | Obtain full official FAQ and its underlying legal analysis. |\n| Fair-share compensation and cap treatment | **Unresolved** | C002, C028 | Find agency accounting/fee interpretation or enforcement order. |\n| State per-debt or savings fee | **Answered: none located** | C030 | Provider-specific federal allocation still required. |\n| CPI/indexed consumer fee amount | **Answered: no verified indexing** | C031 | Recheck if statute is later amended. |\n| TSR debt-relief timing | **Answered as conditional federal baseline** | C032–C034, C036 | Full FTC entity/jurisdiction and debt-type analysis remains provider-specific. |\n| Credit-repair overlap | **Partial/conditional** | C035 | Full CROA contract, disclosure, cancellation, and case-law pass if marketing makes credit-improvement claims. |\n| Application statute | **Answered** | C013–C016 | Exact NMLS checklist-only attachments and current system fees remain. |\n| Public license lookup procedure | **Answered** | C040 | Perform entity-specific NMLS search when legal name or NMLS ID is supplied. |\n| Named provider authorization | **Excluded—not requested with entity identifier** | C040 | Search NMLS and Department records for the specific entity. |\n| Current debt-adjuster regulations | **Partial** | C041 | Recover formal expiration history for Ban 3700 and search any current nonpublished/archived orders. |\n| Historical Ban 3700 rules | **Excluded as current authority** | C041 | May be examined only for history, not current compliance. |\n| Current application/renewal government fees | **Answered** | C014 | Revisit on October 1, 2027 or after amendment. |\n| Government/NMLS ancillary fees | **Unresolved** | C014 | Export current NH Debt Adjuster checklist and current NMLS fee chart. |\n| Controlling current court interpretation | **Not located; open** | C045 | Dedicated Westlaw/Lexis or full official/federal docket review, with current-statute date filters. |\n| Agreement content | **Minimally answered as needed for fees** | C019 | Full agreement disclosures, cancellation language, electronic execution, amendment, and enforceability pass remains. |\n| Consumer funds and pooled accounts | **Minimally touched** | C017, C033 | Full custody, trust, reconciliation, ownership, bankruptcy, and payment-control pass remains. |\n| Bond | **Minimal amount/interface only** | C017 | Full bond form, claims, cancellation, recovery, electronic bond, and insolvency pass remains. |\n| Remedies and enforcement | **Minimal fee-refund consequence only** | C043 | Full civil, administrative, criminal, private-right, restitution, UDAAP, and officer-liability pass remains. |\n| Collections | **Open** | — | Investigate collection-agency overlap, creditor communications, and dual-role prohibition. |\n| Litigation and limitations | **Open** | C045 | Search current cases, limitation periods, accrual, jurisdiction, and arbitration issues. |\n| Secured debt | **Open** | — | Analyze mortgage, auto, tax, student, and other secured/sector statutes separately. |\n| Local and municipal law | **Open** | — | Search local business-license and consumer-protection overlays. |\n| Tribal and sovereign issues | **Open** | — | Analyze tribal entities, sovereign immunity, and federal/state jurisdiction separately. |\n| Contract and choice-of-law | **Open** | C041 | Do not rely on expired Ban 3702.05; examine current statute, common law, and actual contract. |\n| Full federal overlap | **Open beyond timing baseline** | C032–C036 | Complete TSR disclosures, recordkeeping, DNC/TCPA, CROA, EFTA, UDAAP, and entity-jurisdiction work. |\n| Whole-state or A066 acceptance | **Expressly not reached** | All | Complete all remaining New Hampshire passes and coordinator review. |\n\n# E. Researcher self-check\n\n### Actually read\n\n- Current official RSA 399-D sections defining debt adjustment, requiring the license, listing exemptions, governing application and renewal, prohibiting conduct, specifying contracts and plan fees, and providing the fee-refund consequence.\n- Current official RSA 399-G definitions, money-transmitter exemption, and license requirement.\n- Current official Banking Department administrative-rules table of contents.\n- Official Banking Department rule filing history, including historical Ban 3700 entries.\n- Current RSA 541-A:17 rule-duration provision.\n- The 2016 adopted HB 1618 reenactment text.\n- Current eCFR provisions for TSR definitions, advance-fee timing, allocation, dedicated accounts, and exemptions.\n- Current OLRC text for CROA definitions and advance-payment prohibition.\n- Official NMLS public descriptions of Consumer Access and the Checklist Compiler.\n\n### Located but not treated as fully read authority\n\n- New Hampshire Banking Department debt-adjuster, forms, verification, and FAQ pages. Search-index excerpts were available, but direct page retrieval returned 403.\n- The exact current New Hampshire Debt Adjuster NMLS checklist. The public Checklist Compiler was verified, but an exported state-specific checklist was not recovered.\n- Historical enforcement orders discovered in search. Older orders largely concern the predecessor statute and were not used to establish current fees.\n- A controlling published decision applying the current reenacted fee structure was not located. No case was silently treated as controlling.\n\n### Holds preserved\n\n- Exact current NMLS ancillary fees and checklist attachments.\n- Full legal basis and exceptions behind the Department FAQ’s settlement-performance and enrollment-fee statements.\n- Settlement monthly-amortization formula.\n- Repayment-plan numerical fee ceiling.\n- Fair-share treatment under aggregate percentage caps.\n- Settlement cancellation/refund consequences outside RSA 399-D:21 and the conditional federal dedicated-account rule.\n- Exact historical Ban 3700 expiration date or instrument.\n- Commercial-debtor custodial money-transmission result.\n- Individual commissioner exemption orders and current case-law interpretation.\n- Any named provider’s actual license status.\n\n### Method and provenance\n\nThis was completed in regular Chat using public web research. No Chrome control, browser-tab creation, Work mode, Deep Research, API, purchase, account or permission change, contact, application filing, private borrower information, other-chat delegation, local-write claim, or publication action occurred.\n\nThe actual runtime model was **GPT-5.6 Sol Pro**, used under the owner-authorized quality-first fallback because the requested GPT-6 Pro runtime was not available here. This is researcher self-checking and source reconciliation, **not an independent legal review or publication-ready legal opinion**.\n\n**END S_NH PASS-01.**\n\n","tables":[{"headers":["Program","Current New Hampshire state fee result"],"index":0,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Program","Current New Hampshire state fee result"],["Debt-management plan","Aggregate fee based on enrolled principal: 10% for 10 months or less; 12.5% for more than 10 but less than 18 months; 15% for 18 months or more. Equal monthly amortization; no fee before day 30 and specified creditor-acceptance thresholds."],["Debt-settlement plan","Aggregate fee based on enrolled principal, capped at 15%. State text permits a monthly amortized fee only after the contract has been effective at least 30 days, but applicable federal law can impose the later first-settlement/first-payment trigger."],["Debt-repayment plan","No separate percentage or dollar ceiling appears in RSA 399-D:17. Total charges must be agreed in the written contract, and no fee is due before signature. This is not a conclusion that any amount is lawful."],["Separate setup/enrollment fee","No verified lawful separate enrollment/setup-fee pathway was established. The Department’s search-index excerpt says enrollment fees stopped being allowed on January 1, 2017, but the FAQ body returned 403 and is treated only as a discovery lead."]]},{"headers":["Statutory category","Required features","Important boundary"],"index":1,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Statutory category","Required features","Important boundary"],["Debt-management plan","Regular periodic payments to creditors, plus creditor reduction of financing charges or fees for late payment, default, or delinquency.","A payment schedule without these creditor concessions is not automatically a DMP."],["Debt-settlement plan","A proposed contract indicating a lump-sum payment and creditor settlement for less than principal.","A principal reduction paid through installments does not neatly meet the “lump sum” language, although negotiation and the broader debt-adjustment definition can still cover it."],["Debt-repayment plan","A payment schedule created by the adjuster to reduce outstanding debt with one or more creditors over a fixed period.","This is the residual plan branch for some fixed-payment programs that are neither statutory DMPs nor statutory lump-sum settlement plans."],["General counseling or negotiation","Paid counseling, contract creation, creditor negotiation, or concession work.","Custody of consumer money is not required for licensing coverage."],["Custodial/distribution model","Receipt or control of debtor money for creditor distribution.","This also raises the separate money-transmission issue discussed below."]]},{"headers":["Business model","New Hampshire result","Conditions or failure cases"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Business model","New Hampshire result","Conditions or failure cases"],["Paid counseling with no creditor contact and no custody","License required, unless exempt","Counseling for direct or indirect compensation is expressly covered."],["Noncustodial creditor negotiation","License required, unless exempt","Compensation includes indirect incentives."],["Debt-management plan","Licensed and conditionally permitted","Must satisfy RSA 399-D:14 and :15, applicable federal law, and other later-pass requirements."],["Debt-settlement plan","Licensed and conditionally permitted","Must satisfy RSA 399-D:14 and :16; applicable TSR timing may be stricter."],["Debt-repayment plan","Licensed and conditionally permitted","Must satisfy RSA 399-D:14 and :17; federal overlay depends on representations and sales method."],["Consumer custodial/distribution plan","Debt-adjuster license required; money-transmitter exemption conditional","$100,000 bond and all RSA 399-G:3 VI conditions required for the specific exemption."],["Commercial custodial plan","RSA 399-D likely implicated; money-transmitter result unresolved","Consumer-limited exemption cannot simply be assumed."],["Nonprofit provider","Not categorically exempt","Statute expressly prescribes licensing application and background materials for nonprofits."],["New Hampshire-admitted attorney practicing law","Statutory exemption","Exemption is tied to being admitted in New Hampshire and actually engaged in legal practice."],["Company merely employing or affiliating with an attorney","No automatic exemption established","Attorney connection is not the statutory test."],["Authorized financial institution","Exempt when adjustment occurs in regular course of principal business","Institution and activity conditions both matter."],["Fiduciary","Exempt only within stated regulatory, judicial, or probate conditions","A generic fiduciary label is insufficient."],["Employee of licensed adjuster","Exempt for regular employment duties","A natural-person licensee’s independent contractor is expressly not treated as an employee for license coverage."],["Creditor restructuring its own debt","No express general RSA 399-D exemption found","It may fall outside “business of debt adjustment” on particular facts; this is not a categorical holding."],["Person designated by commissioner","Possible rule/order exemption","No current debt-adjuster-specific exemption rule or individual order establishing a general industry exemption was located in this pass."]]},{"headers":["Structure","Base and ceiling","Collection schedule","Cancellation/refund result"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Structure","Base and ceiling","Collection schedule","Cancellation/refund result"],["All covered contracts","Contract must disclose total service charges; maximum term 60 months.","No entitlement to any fee before debtor signs.","Contract must contain cancellation provision; separate plan rules govern where stated."],["DMP, 10 months or less","≤10% of total principal indebtedness.","Equal monthly amortization. No fee until contract has existed 30 days and creditor threshold is met.","Qualified cancellation/default fee: lesser of 5% of remaining service charges or $50."],["DMP, >10 but <18 months","≤12.5% of total principal indebtedness.","Same.","Same."],["DMP, ≥18 months","≤15% of total principal indebtedness.","Same.","Same."],["Settlement plan","≤15% of total principal indebtedness.","No fee before day 30; thereafter a monthly amortized fee at 30-day intervals. Current state text does not prescribe an equal-installment formula.","No settlement-specific cancellation-fee formula or general voluntary-cancellation refund formula was located in §16."],["Repayment plan","No separate numeric ceiling appears in §17. Total charges must be agreed in the written contract.","No fee before signature; no additional state plan-specific performance schedule was found.","Qualified cancellation/default fee: lesser of 5% of remaining service charges or $50."],["Third-party/fair-share compensation","Dollar amount must be disclosed and agreed in writing before execution.","Timing beyond pre-execution disclosure is not specified in §14 IV.","Whether creditor fair share is included in the DMP/settlement percentage ceiling is unresolved."],["Unlicensed activity or violation of §§14–17","No interest or charges may be collected, received, or retained.","Not applicable.","Direct or indirect compensation must be refunded and contract is null and void."]]},{"headers":["Source ID","Title / issuer and direct literal URL","Exact pinpoint / status","Actual check and limitations"],"index":4,"links":[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government\n+11"},{"href":"https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm","text":"New Hampshire Government\n+2"},{"href":"https://gc.nh.gov/rules/state_agencies/ban.html","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rules/filing_history/sourceban.html","text":"New Hampshire Government\n+2"},{"href":"https://gc.nh.gov/rsa/html/LV/541-A/541-A-17.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP","text":"New Hampshire Government"},{"href":"https://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters","text":"New Hampshire Banking Department\n+3"},{"href":"https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee","text":"New Hampshire Banking Department\n+3"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","text":"Nationwide Licensing System\n+3"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","text":"eCFR"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/","text":"U.S. Code"}],"row_links":[[],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government\n+11"}],[{"href":"https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm","text":"New Hampshire Government\n+2"}],[{"href":"https://gc.nh.gov/rules/state_agencies/ban.html","text":"New Hampshire Government\n+1"}],[{"href":"https://gc.nh.gov/rules/filing_history/sourceban.html","text":"New Hampshire Government\n+2"}],[{"href":"https://gc.nh.gov/rsa/html/LV/541-A/541-A-17.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP","text":"New Hampshire Government"}],[{"href":"https://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters","text":"New Hampshire Banking Department\n+3"}],[{"href":"https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee","text":"New Hampshire Banking Department\n+3"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","text":"Nationwide Licensing System\n+3"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","text":"eCFR"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/","text":"U.S. Code"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Exact pinpoint / status","Actual check and limitations"],["S_NH-P1-S001","RSA Chapter 399-D, Debt Adjustment Services — New Hampshire General Court\n\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-mrg.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-5.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-6.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-13.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-17.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-21.htm","§§1–6, 13–17, 21. Current codified statute. Relevant source histories include 2016 enactment effective January 1, 2017; later amendments through 2026, including current/future licensing-fee text.","Actual HTML passages read October 24, 2026. Controlling state authority for this pass. Future-effective provisions distinguished from current provisions. \nNew Hampshire Government\n+11"],["S_NH-P1-S002","RSA Chapter 399-G, Licensing of Money Transmitters — New Hampshire General Court\n\nhttps://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-mrg.htm\nhttps://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-G/399-G-3.htm\nhttps://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-7.htm","§2 XI, XVIII, XXVI–XXVII; §3 VI; §7. Effective chapter beginning October 22, 2024.","Actual HTML read. Consumer debt-adjuster exemption verified; full commercial-custody licensing analysis deferred. \nNew Hampshire Government\n+2"],["S_NH-P1-S003","Current Banking Department Administrative Rules Table of Contents — New Hampshire General Court\n\nhttps://gc.nh.gov/rules/state_agencies/ban.html","Current published Ban chapters; no Ban 3700 listed.","Actual current TOC read. Absence from current publication supports nonreliance on historical Ban 3700 but does not identify each historical expiration instrument. \nNew Hampshire Government\n+1"],["S_NH-P1-S004","Banking Department Rule Filing History — New Hampshire General Court / Office of Legislative Services\n\nhttps://gc.nh.gov/rules/filing_history/sourceban.html","Documents #6278, #6389, #7438–#7440; filing history through August 2026.","Actual filing-history passages read. Shows historical adoption/readoption, not current operative text. No later Ban 3700 readoption found in reviewed history. \nNew Hampshire Government\n+2"],["S_NH-P1-S005","RSA 541-A:17, Time Limit — New Hampshire General Court\n\nhttps://gc.nh.gov/rsa/html/LV/541-A/541-A-17.htm","Paragraph I: general 10-year rule limit, subject to statutory extension/readoption mechanisms.","Actual current provision read. It helps assess historical rules but does not itself recover each old Ban 3700 expiration date. \nNew Hampshire Government"],["S_NH-P1-S006","HB 1618, Version 13, adopted by both bodies — New Hampshire General Court\n\nhttps://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP","Lines/sections showing repeal and reenactment of RSA 399-D; effective January 1, 2017.","Actual enacted-version HTML read. Historical enactment source; current codified statute controls current wording. No model act was treated as enacted law. \nNew Hampshire Government"],["S_NH-P1-S007","Debt-adjuster operational and licensing pages — New Hampshire Banking Department\n\nhttps://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters\nhttps://www.banking.nh.gov/consumer-credit-licensees-registrants/consumer-credit-forms-instructions-laws\nhttps://www.banking.nh.gov/license-verification\nhttps://www.banking.nh.gov/consumer-credit-licensees-registrants","Search-index excerpts state new debt-adjuster licensing is through NMLS and license verification is available through NMLS Consumer Access.","Official search excerpts read; direct page bodies returned 403. Used as operational corroboration, not as a substitute for statutory permission. \nNew Hampshire Banking Department\n+3"],["S_NH-P1-S008","Debt-adjuster fee FAQs — New Hampshire Banking Department\n\nhttps://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee\nhttps://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-management-licensee\nhttps://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-repayment-licensee\nhttps://www.banking.nh.gov/faq/what-fees-are-allowed-be-collected-debt-adjustment-activities","Search excerpts address settlement performance, DMP day-30 timing, repayment written charges, and enrollment fees.","Discovery only. Each relevant full FAQ page was inaccessible or its hub returned 403. No categorical conclusion relies solely on the excerpts. \nNew Hampshire Banking Department\n+3"],["S_NH-P1-S009","NMLS Consumer Access and Checklist Compiler — Conference of State Bank Supervisors / NMLS\n\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Information-about-NMLS-Consumer-Access.aspx\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","Public license-information search and state-checklist export functions.","Actual public descriptions read. A current exported New Hampshire debt-adjuster checklist was not successfully retrieved; exact current NMLS system fees and checklist-only attachments are held. \nNationwide Licensing System\n+3"],["S_NH-P1-S010","16 C.F.R. §310.2 — eCFR / National Archives\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Definitions of customer, debt-relief service, person, seller, telemarketer, and telemarketing.","Actual eCFR read; title 16 displayed as up to date through October 22, 2026 and last amended October 19, 2026. Federal coverage is conditional. \neCFR\n+1"],["S_NH-P1-S011","16 C.F.R. §310.4 — eCFR / National Archives\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","§310.4(a)(2) and (a)(5): credit-repair and debt-relief fee timing, individual-debt allocation, dedicated accounts.","Actual current eCFR passages read. Applied only when TSR coverage is independently established. \neCFR\n+1"],["S_NH-P1-S012","16 C.F.R. §310.6 — eCFR / National Archives\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","§310.6(b)(5)–(7): debt-relief inbound-ad/direct-mail exceptions and B2B-call exemption.","Actual current eCFR read. Does not resolve every FTC-jurisdiction issue. \neCFR"],["S_NH-P1-S013","15 U.S.C. §1679a — Office of the Law Revision Counsel\n\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679a/","Definitions of consumer and credit-repair organization; listed exclusions.","Actual U.S. Code text read, current through Public Law 119-120, October 7, 2026. Conditional overlap only. \nU.S. Code"],["S_NH-P1-S014","15 U.S.C. §1679b — Office of the Law Revision Counsel\n\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679b/","Subsection (b), payment in advance.","Actual U.S. Code text read, current through Public Law 119-120, October 7, 2026. \nU.S. Code"]]},{"headers":["Claim ID","Precise assertion","Source and pinpoint","Conditions, exceptions, and confidence limit"],"index":5,"links":[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm","text":"New Hampshire Government\n+2"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-5.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-6.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm","text":"New Hampshire Government\n+1"},{"href":"https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm","text":"New Hampshire Government\n+2"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-17.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government\n+4"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government\n+2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+2"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-13.htm","text":"New Hampshire Government"},{"href":"https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee","text":"New Hampshire Banking Department\n+1"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm","text":"New Hampshire Government\n+3"},{"href":"https://gc.nh.gov/rules/state_agencies/ban.html","text":"New Hampshire Government\n+3"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-21.htm","text":"New Hampshire Government"},{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government"}],"row_links":[[],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm","text":"New Hampshire 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Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm","text":"New Hampshire Government\n+1"}],[{"href":"https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm","text":"New Hampshire Government\n+2"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government\n+1"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government\n+1"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government\n+1"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-17.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government\n+4"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government\n+1"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","text":"New Hampshire Government\n+2"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+2"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-13.htm","text":"New Hampshire Government"}],[{"href":"https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee","text":"New Hampshire Banking Department\n+1"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm","text":"New Hampshire Government\n+3"}],[{"href":"https://gc.nh.gov/rules/state_agencies/ban.html","text":"New Hampshire Government\n+3"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-21.htm","text":"New Hampshire Government"}],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government"}],[]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Conditions, exceptions, and confidence limit"],["S_NH-P1-C001","Compensated counseling, contract creation, negotiation, fund distribution/control, and concession intermediation can each constitute debt adjustment.","S001, RSA 399-D:1 IX(a)–(f). \nNew Hampshire Government","High confidence from current text; actual facts still control."],["S_NH-P1-C002","Compensation includes fees, creditor fair-share contributions, and other financial or similar incentives.","S001, RSA 399-D:1 IV, XVII. \nNew Hampshire Government","Direct and indirect funding matter. Exact cap treatment of fair share is unresolved."],["S_NH-P1-C003","DMP, settlement, and repayment plans have different statutory elements.","S001, RSA 399-D:1 XI–XIII. \nNew Hampshire Government","Marketing labels do not override actual elements."],["S_NH-P1-C004","Principal reduction through a non-lump-sum structure remains debt adjustment but may not cleanly fit the statutory settlement-plan branch.","S001, RSA 399-D:1 IX, XIII. \nNew Hampshire Government","Classification inference; contract and payment mechanics required."],["S_NH-P1-C005","“Debtor” and “person” include legal and commercial entities, so business-purpose activity cannot be assumed outside RSA 399-D.","S001, RSA 399-D:1 XIV, XXIV. \nNew Hampshire Government","Mixed use of “individual” and “consumer” prevents a universal commercial-coverage conclusion."],["S_NH-P1-C006","Remote providers serving persons located in New Hampshire can be subject to licensing.","S001, RSA 399-D:2. \nNew Hampshire Government","Physical office is not the only nexus."],["S_NH-P1-C007","A nonexempt covered provider must obtain a debt-adjuster license; the chapter is a licensing regime, not a categorical ban.","S001, RSA 399-D:2 and :5 II. \nNew Hampshire Government\n+1","License is not an endorsement."],["S_NH-P1-C008","Express exemptions cover qualifying attorneys, authorized financial institutions, qualifying fiduciaries, employees of licensees, and persons designated by commissioner rule/order.","S001, RSA 399-D:3. \nNew Hampshire Government","Each exemption’s activity conditions matter."],["S_NH-P1-C009","An attorney connection alone is insufficient; the exemption requires New Hampshire admission and engagement in legal practice.","S001, RSA 399-D:3 I. \nNew Hampshire Government","No conclusion about a specific law-firm structure without facts."],["S_NH-P1-C010","Nonprofit status does not create a general state exemption.","S001, RSA 399-D:3 and :4 II(e)(2), III(a). \nNew Hampshire Government\n+1","Statute affirmatively anticipates nonprofit applicants."],["S_NH-P1-C011","Financial-institution and fiduciary exemptions are conditional, not label-only.","S001, RSA 399-D:1 XVIII–XIX; :3 II–III. \nNew Hampshire Government\n+1","Authorization and regular-course or supervisory facts must be verified."],["S_NH-P1-C012","No current general commissioner-created debt-adjuster exemption was located.","S003–S005; RSA 399-D:3 V. \nNew Hampshire Government\n+2","Search result, not proof that no individual order exists."],["S_NH-P1-C013","Application is a verified NMLS filing with statutory organizational, financial, background, contract, and service-of-process materials.","S001, RSA 399-D:4 I–VII. \nNew Hampshire Government","Exact current checklist-only attachments remain unresolved."],["S_NH-P1-C014","Current government application/renewal fee is $500 principal and $500 per branch; principal becomes $750 on October 1, 2027.","S001, RSA 399-D:4 II(b); :5 IX. \nNew Hampshire Government\n+1","Government charges, not consumer service fees."],["S_NH-P1-C015","Commissioner has up to 120 days after complete filing/payment; compliant applicant is issued annual license expiring December 31.","S001, RSA 399-D:5 I–VIII-a. \nNew Hampshire Government","Approval is not guaranteed merely by filing."],["S_NH-P1-C016","Since October 1, 2026, a 180-day failure to respond to any Department/NMLS communication can support abandonment.","S001, RSA 399-D:6 V current version. \nNew Hampshire Government","Effective-date distinction verified."],["S_NH-P1-C017","Ordinary debt-adjuster bond is $25,000; consumer debt-adjustment money-transmission exemption requires $100,000 and other conditions.","S001, RSA 399-D:4 IV; S002, RSA 399-G:3 VI. \nNew Hampshire Government\n+1","Full bond mechanics deferred."],["S_NH-P1-C018","Commercial custodial activity has an unresolved RSA 399-G interface because the debt-adjuster MT exemption is consumer-limited.","S002, RSA 399-G:2 XI, XVIII, XXVI–XXVII; :3 VI; :7. \nNew Hampshire Government\n+2","Separate MT license or another exemption may be required."],["S_NH-P1-C019","All covered contracts must disclose total charges and cannot exceed 60 months; no fee is due before signature.","S001, RSA 399-D:14 I–III. \nNew Hampshire Government","Later plan-specific and federal rules can be stricter."],["S_NH-P1-C020","DMP fees are equally amortized monthly and cannot begin before the contract has existed 30 days.","S001, RSA 399-D:15 I–II. \nNew Hampshire Government","Creditor threshold and federal overlay also apply."],["S_NH-P1-C021","DMP fee receipt requires written acceptances covering at least 25% of total indebtedness plus the creditor-count/distribution test.","S001, RSA 399-D:15 III. \nNew Hampshire Government","Both the amount test and one of the two count alternatives are required."],["S_NH-P1-C022","DMP cancellation/default fee is lesser of 5% remaining service charges or $50, subject to stated notice/default and performance conditions.","S001, RSA 399-D:15 VI–VII. \nNew Hampshire Government","Aggregate-cap interaction unresolved."],["S_NH-P1-C023","DMP fee ceilings are 10%, 12.5%, and 15% according to plan length and use total principal indebtedness.","S001, RSA 399-D:1 XXI; :15 V. \nNew Hampshire Government\n+1","These are ceilings, not mandatory fees."],["S_NH-P1-C024","Settlement fees use total principal indebtedness and cannot exceed 15%.","S001, RSA 399-D:1 XXI; :16 II. \nNew Hampshire Government\n+1","State has no verified savings-based alternative."],["S_NH-P1-C025","State settlement text allows a monthly amortized fee only after day 30, but does not state an equal formula or express first-settlement trigger.","S001, RSA 399-D:16 I. \nNew Hampshire Government","Applicable federal law and official interpretation may impose later timing."],["S_NH-P1-C026","Repayment-plan §17 contains no separate percentage/dollar ceiling; §14 requires total charges in the signed contract.","S001, RSA 399-D:14 II(d), III; :17. \nNew Hampshire Government\n+1","Not a finding that every contract amount is lawful."],["S_NH-P1-C027","Repayment cancellation/default fee follows the lesser-of-5%-or-$50 formula.","S001, RSA 399-D:17 I–II. \nNew Hampshire Government","Conditions mirror those stated in §17."],["S_NH-P1-C028","Third-party direct or indirect compensation must be disclosed and agreed in writing before contract execution.","S001, RSA 399-D:14 IV. \nNew Hampshire Government","Whether fair share falls inside percentage cap unresolved."],["S_NH-P1-C029","No verified current statutory pathway for a separate enrollment/setup fee was established.","S001, RSA 399-D:14–:17; S008 discovery excerpt. \nNew Hampshire Government\n+4","Agency FAQ body inaccessible; do not rely on excerpt alone."],["S_NH-P1-C030","New Hampshire supplies no express per-debt or savings-based state fee formula.","S001, RSA 399-D:15 V and :16 II. \nNew Hampshire Government\n+1","Federal TSR may control post-performance allocation."],["S_NH-P1-C031","Current debt-adjuster consumer-fee amounts are fixed, not verified as CPI-indexed.","S001, RSA 399-D:15–:17. \nNew Hampshire Government\n+2","No current adjustment notice located."],["S_NH-P1-C032","Covered TSR debt-relief fees require one altered debt, a valid agreement, and one customer payment.","S010–S011, 16 C.F.R. §§310.2(o), 310.4(a)(5)(i)(A)–(B). \neCFR\n+1","Federal coverage must first be established."],["S_NH-P1-C033","TSR individual-debt fees use pro-rata balance or constant savings percentage; compliant dedicated accounts have withdrawal/return conditions.","S011, §310.4(a)(5)(i)(C), (ii). \neCFR","Federal calculation does not enlarge state ceiling."],["S_NH-P1-C034","B2B telemarketing calls generally receive §310.6(b)(7)’s exemption, whose exceptions do not include §310.4(a)(5).","S012, §310.6(b)(7). \neCFR","Does not exempt provider from New Hampshire law."],["S_NH-P1-C035","Credit-improvement representations can trigger CROA and TSR credit-repair timing independently.","S011, §310.4(a)(2); S013–S014, 15 U.S.C. §§1679a–1679b. \neCFR\n+2","No universal debt-settlement/CROA equivalence asserted."],["S_NH-P1-C036","Applicable federal-law violations are also violations of RSA 399-D.","S001, RSA 399-D:14 XI. \nNew Hampshire Government","Only “applicable” federal law is incorporated."],["S_NH-P1-C037","The statutory creditor definition requires regular credit with interest/charge or a written obligation payable in more than four installments.","S001, RSA 399-D:1 VII. \nNew Hampshire Government","Non-credit claims and unusual debts need separate classification."],["S_NH-P1-C038","A debt adjuster may not purchase the obligation, dual-role collect for creditor and adjust for debtor on the same account, take security for fees, pay referral compensation, or provide legal services/advice.","S001, RSA 399-D:13 III–IV. \nNew Hampshire Government","Full referral, marketing, and remedies pass remains open."],["S_NH-P1-C039","Department fee FAQ excerpts indicate no enrollment fee and a settlement-performance trigger, but their full pages were not read.","S008; direct fetches returned 403. \nNew Hampshire Banking Department\n+1","Discovery-only hold."],["S_NH-P1-C040","Current public procedure points to NMLS filing and NMLS Consumer Access, but no named provider status was checked.","S001, RSA 399-D:4; S007–S009. \nNew Hampshire Government\n+3","Procedure is distinct from authorization of a company."],["S_NH-P1-C041","Historical Ban 3700 material is not treated as current operative law.","S003–S005. \nNew Hampshire Government\n+3","Exact expiration date/instrument remains unresolved."],["S_NH-P1-C042","No general self-creditor exemption appears in RSA 399-D:3.","S001, RSA 399-D:3. \nNew Hampshire Government","A creditor acting solely for itself may fall outside covered business on facts; not finally resolved."],["S_NH-P1-C043","A §14–§17 violation or required-license failure eliminates charges, requires compensation refund, and voids the contract.","S001, RSA 399-D:21 II. \nNew Hampshire Government","Full remedy and business-debtor application deferred."],["S_NH-P1-C044","Settlement §16 has no express cancellation-fee formula or general voluntary-cancellation refund formula.","S001, RSA 399-D:16. \nNew Hampshire Government","Federal dedicated-account return rule may separately apply."],["S_NH-P1-C045","No controlling published decision interpreting the current 2017 reenacted fee structure was located in this pass.","Targeted official/federal court searches; no current opinion relied upon.","Search result only, not proof that no decision exists; dedicated case-law pass remains required."]]},{"headers":["Component","Status","Supporting claims","Missing evidence / exact next investigation"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Supporting claims","Missing evidence / exact next investigation"],["Umbrella debt-adjustment definition","Answered","C001–C004","Test unusual models against actual contracts and representations."],["DMP, settlement, repayment classification","Answered with edge hold","C003–C004","Resolve installment-discount arrangements and hybrid plans through agency orders/cases."],["Noncustodial coverage","Answered","C001","No further access issue for basic classification."],["Consumer custodial model","Answered for specific MT exemption","C017","Full bond, account, insolvency, and funds-control pass remains."],["Commercial custodial model","Unresolved","C005, C018","Analyze RSA 399-G license requirements, other exemptions, and agency treatment of commercial debt adjusters."],["Consumer/business-purpose boundary","Partial","C005, C037","Find current commissioner interpretation or controlling case addressing business-entity debtors and remedy wording."],["Remote-provider nexus","Answered","C006","Apply to actual customer-location and contract facts."],["Core license requirement","Answered","C007","None for general rule."],["Express license exemptions","Answered for listed exemptions","C008–C011","Search individual exemption orders and sector-specific cross-references."],["Commissioner-created exemption","Unresolved at individual-order level","C012","Search complete order/declaratory-ruling archive for RSA 399-D:3 V determinations."],["Attorney exemption","Answered at statutory level","C009, C038","Entity structures and professional-conduct issues later."],["Nonprofit status","Answered","C010","Federal FTC/CROA nonprofit status needs entity-specific verification."],["Self-creditor activity","Partial","C042","Find agency/case interpretation of own-debt restructuring outside institutional exemption."],["DMP fee base and ceilings","Answered","C019–C023","Contract amendments and debt additions/removals remain to be examined."],["DMP earning timing","Answered under state text; federal conditional","C020–C021, C032","Confirm all TSR jurisdiction/entity facts in provider-specific pass."],["DMP cancellation/default fee","Answered, cap interaction held","C022","Determine through agency interpretation whether cancellation amount counts within aggregate percentage cap."],["Settlement fee base and aggregate cap","Answered","C024","No unresolved statutory percentage."],["Settlement state earning schedule","Partial","C025, C039","Obtain full official FAQ or an accessible current interpretive document establishing the creditor-agreement/first-payment basis."],["Settlement monthly amortization formula","Unresolved","C025","Determine whether Department requires equal monthly amounts or another schedule."],["Settlement cancellation/refund","Unresolved beyond §21 and federal account rule","C043–C044","Inspect contracts, agency guidance, orders, and controlling cases."],["Repayment-plan numeric ceiling","Unresolved because no specific ceiling located","C026","Obtain full Department FAQ and current licensing checklist/contract guidance; investigate whether general unfairness or other statutes supply a limit."],["Repayment earning timing","Partial","C026–C027","Determine treatment of pure budgeting versus represented creditor-term alteration."],["Setup/enrollment fees","Partial; no verified pathway","C029, C039","Obtain full official FAQ and its underlying legal analysis."],["Fair-share compensation and cap treatment","Unresolved","C002, C028","Find agency accounting/fee interpretation or enforcement order."],["State per-debt or savings fee","Answered: none located","C030","Provider-specific federal allocation still required."],["CPI/indexed consumer fee amount","Answered: no verified indexing","C031","Recheck if statute is later amended."],["TSR debt-relief timing","Answered as conditional federal baseline","C032–C034, C036","Full FTC entity/jurisdiction and debt-type analysis remains provider-specific."],["Credit-repair overlap","Partial/conditional","C035","Full CROA contract, disclosure, cancellation, and case-law pass if marketing makes credit-improvement claims."],["Application statute","Answered","C013–C016","Exact NMLS checklist-only attachments and current system fees remain."],["Public license lookup procedure","Answered","C040","Perform entity-specific NMLS search when legal name or NMLS ID is supplied."],["Named provider authorization","Excluded—not requested with entity identifier","C040","Search NMLS and Department records for the specific entity."],["Current debt-adjuster regulations","Partial","C041","Recover formal expiration history for Ban 3700 and search any current nonpublished/archived orders."],["Historical Ban 3700 rules","Excluded as current authority","C041","May be examined only for history, not current compliance."],["Current application/renewal government fees","Answered","C014","Revisit on October 1, 2027 or after amendment."],["Government/NMLS ancillary fees","Unresolved","C014","Export current NH Debt Adjuster checklist and current NMLS fee chart."],["Controlling current court interpretation","Not located; open","C045","Dedicated Westlaw/Lexis or full official/federal docket review, with current-statute date filters."],["Agreement content","Minimally answered as needed for fees","C019","Full agreement disclosures, cancellation language, electronic execution, amendment, and enforceability pass remains."],["Consumer funds and pooled accounts","Minimally touched","C017, C033","Full custody, trust, reconciliation, ownership, bankruptcy, and payment-control pass remains."],["Bond","Minimal amount/interface only","C017","Full bond form, claims, cancellation, recovery, electronic bond, and insolvency pass remains."],["Remedies and enforcement","Minimal fee-refund consequence only","C043","Full civil, administrative, criminal, private-right, restitution, UDAAP, and officer-liability pass remains."],["Collections","Open","—","Investigate collection-agency overlap, creditor communications, and dual-role prohibition."],["Litigation and limitations","Open","C045","Search current cases, limitation periods, accrual, jurisdiction, and arbitration issues."],["Secured debt","Open","—","Analyze mortgage, auto, tax, student, and other secured/sector statutes separately."],["Local and municipal law","Open","—","Search local business-license and consumer-protection overlays."],["Tribal and sovereign issues","Open","—","Analyze tribal entities, sovereign immunity, and federal/state jurisdiction separately."],["Contract and choice-of-law","Open","C041","Do not rely on expired Ban 3702.05; examine current statute, common law, and actual contract."],["Full federal overlap","Open beyond timing baseline","C032–C036","Complete TSR disclosures, recordkeeping, DNC/TCPA, CROA, EFTA, UDAAP, and entity-jurisdiction work."],["Whole-state or A066 acceptance","Expressly not reached","All","Complete all remaining New Hampshire passes and coordinator review."]]}],"claims":[{"claim_id":"S_NH-P1-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C001","Precise assertion":"Compensated counseling, contract creation, negotiation, fund distribution/control, and concession intermediation can each constitute debt adjustment.","Source and pinpoint":"S001, RSA 399-D:1 IX(a)–(f). \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"High confidence from current text; actual facts still control."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C002","Precise assertion":"Compensation includes fees, creditor fair-share contributions, and other financial or similar incentives.","Source and pinpoint":"S001, RSA 399-D:1 IV, XVII. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Direct and indirect funding matter. Exact cap treatment of fair share is unresolved."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C003","Precise assertion":"DMP, settlement, and repayment plans have different statutory elements.","Source and pinpoint":"S001, RSA 399-D:1 XI–XIII. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Marketing labels do not override actual elements."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C004","Precise assertion":"Principal reduction through a non-lump-sum structure remains debt adjustment but may not cleanly fit the statutory settlement-plan branch.","Source and pinpoint":"S001, RSA 399-D:1 IX, XIII. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Classification inference; contract and payment mechanics required."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C005","Precise assertion":"“Debtor” and “person” include legal and commercial entities, so business-purpose activity cannot be assumed outside RSA 399-D.","Source and pinpoint":"S001, RSA 399-D:1 XIV, XXIV. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Mixed use of “individual” and “consumer” prevents a universal commercial-coverage conclusion."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C006","Precise assertion":"Remote providers serving persons located in New Hampshire can be subject to licensing.","Source and pinpoint":"S001, RSA 399-D:2. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Physical office is not the only nexus."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C007","Precise assertion":"A nonexempt covered provider must obtain a debt-adjuster license; the chapter is a licensing regime, not a categorical ban.","Source and pinpoint":"S001, RSA 399-D:2 and :5 II. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"License is not an endorsement."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C008","Precise assertion":"Express exemptions cover qualifying attorneys, authorized financial institutions, qualifying fiduciaries, employees of licensees, and persons designated by commissioner rule/order.","Source and pinpoint":"S001, RSA 399-D:3. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Each exemption’s activity conditions matter."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C009","Precise assertion":"An attorney connection alone is insufficient; the exemption requires New Hampshire admission and engagement in legal practice.","Source and pinpoint":"S001, RSA 399-D:3 I. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"No conclusion about a specific law-firm structure without facts."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C010","Precise assertion":"Nonprofit status does not create a general state exemption.","Source and pinpoint":"S001, RSA 399-D:3 and :4 II(e)(2), III(a). \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"Statute affirmatively anticipates nonprofit applicants."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C011","Precise assertion":"Financial-institution and fiduciary exemptions are conditional, not label-only.","Source and pinpoint":"S001, RSA 399-D:1 XVIII–XIX; :3 II–III. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"Authorization and regular-course or supervisory facts must be verified."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C012","Precise assertion":"No current general commissioner-created debt-adjuster exemption was located.","Source and pinpoint":"S003–S005; RSA 399-D:3 V. \nNew Hampshire Government\n+2","Conditions, exceptions, and confidence limit":"Search result, not proof that no individual order exists."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C013","Precise assertion":"Application is a verified NMLS filing with statutory organizational, financial, background, contract, and service-of-process materials.","Source and pinpoint":"S001, RSA 399-D:4 I–VII. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Exact current checklist-only attachments remain unresolved."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C014","Precise assertion":"Current government application/renewal fee is $500 principal and $500 per branch; principal becomes $750 on October 1, 2027.","Source and pinpoint":"S001, RSA 399-D:4 II(b); :5 IX. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"Government charges, not consumer service fees."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C015","Precise assertion":"Commissioner has up to 120 days after complete filing/payment; compliant applicant is issued annual license expiring December 31.","Source and pinpoint":"S001, RSA 399-D:5 I–VIII-a. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Approval is not guaranteed merely by filing."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C016","Precise assertion":"Since October 1, 2026, a 180-day failure to respond to any Department/NMLS communication can support abandonment.","Source and pinpoint":"S001, RSA 399-D:6 V current version. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Effective-date distinction verified."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C017","Precise assertion":"Ordinary debt-adjuster bond is $25,000; consumer debt-adjustment money-transmission exemption requires $100,000 and other conditions.","Source and pinpoint":"S001, RSA 399-D:4 IV; S002, RSA 399-G:3 VI. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"Full bond mechanics deferred."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C018","Precise assertion":"Commercial custodial activity has an unresolved RSA 399-G interface because the debt-adjuster MT exemption is consumer-limited.","Source and pinpoint":"S002, RSA 399-G:2 XI, XVIII, XXVI–XXVII; :3 VI; :7. \nNew Hampshire Government\n+2","Conditions, exceptions, and confidence limit":"Separate MT license or another exemption may be required."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C019","Precise assertion":"All covered contracts must disclose total charges and cannot exceed 60 months; no fee is due before signature.","Source and pinpoint":"S001, RSA 399-D:14 I–III. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Later plan-specific and federal rules can be stricter."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C020","Precise assertion":"DMP fees are equally amortized monthly and cannot begin before the contract has existed 30 days.","Source and pinpoint":"S001, RSA 399-D:15 I–II. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Creditor threshold and federal overlay also apply."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C021","Precise assertion":"DMP fee receipt requires written acceptances covering at least 25% of total indebtedness plus the creditor-count/distribution test.","Source and pinpoint":"S001, RSA 399-D:15 III. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Both the amount test and one of the two count alternatives are required."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C022","Precise assertion":"DMP cancellation/default fee is lesser of 5% remaining service charges or $50, subject to stated notice/default and performance conditions.","Source and pinpoint":"S001, RSA 399-D:15 VI–VII. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Aggregate-cap interaction unresolved."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C023","Precise assertion":"DMP fee ceilings are 10%, 12.5%, and 15% according to plan length and use total principal indebtedness.","Source and pinpoint":"S001, RSA 399-D:1 XXI; :15 V. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"These are ceilings, not mandatory fees."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C024","Precise assertion":"Settlement fees use total principal indebtedness and cannot exceed 15%.","Source and pinpoint":"S001, RSA 399-D:1 XXI; :16 II. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"State has no verified savings-based alternative."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C025","Precise assertion":"State settlement text allows a monthly amortized fee only after day 30, but does not state an equal formula or express first-settlement trigger.","Source and pinpoint":"S001, RSA 399-D:16 I. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Applicable federal law and official interpretation may impose later timing."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C026","Precise assertion":"Repayment-plan §17 contains no separate percentage/dollar ceiling; §14 requires total charges in the signed contract.","Source and pinpoint":"S001, RSA 399-D:14 II(d), III; :17. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"Not a finding that every contract amount is lawful."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C027","Precise assertion":"Repayment cancellation/default fee follows the lesser-of-5%-or-$50 formula.","Source and pinpoint":"S001, RSA 399-D:17 I–II. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Conditions mirror those stated in §17."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C028","Precise assertion":"Third-party direct or indirect compensation must be disclosed and agreed in writing before contract execution.","Source and pinpoint":"S001, RSA 399-D:14 IV. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Whether fair share falls inside percentage cap unresolved."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C029","Precise assertion":"No verified current statutory pathway for a separate enrollment/setup fee was established.","Source and pinpoint":"S001, RSA 399-D:14–:17; S008 discovery excerpt. \nNew Hampshire Government\n+4","Conditions, exceptions, and confidence limit":"Agency FAQ body inaccessible; do not rely on excerpt alone."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C030","Precise assertion":"New Hampshire supplies no express per-debt or savings-based state fee formula.","Source and pinpoint":"S001, RSA 399-D:15 V and :16 II. \nNew Hampshire Government\n+1","Conditions, exceptions, and confidence limit":"Federal TSR may control post-performance allocation."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C031","Precise assertion":"Current debt-adjuster consumer-fee amounts are fixed, not verified as CPI-indexed.","Source and pinpoint":"S001, RSA 399-D:15–:17. \nNew Hampshire Government\n+2","Conditions, exceptions, and confidence limit":"No current adjustment notice located."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C032","Precise assertion":"Covered TSR debt-relief fees require one altered debt, a valid agreement, and one customer payment.","Source and pinpoint":"S010–S011, 16 C.F.R. §§310.2(o), 310.4(a)(5)(i)(A)–(B). \neCFR\n+1","Conditions, exceptions, and confidence limit":"Federal coverage must first be established."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C033","Precise assertion":"TSR individual-debt fees use pro-rata balance or constant savings percentage; compliant dedicated accounts have withdrawal/return conditions.","Source and pinpoint":"S011, §310.4(a)(5)(i)(C), (ii). \neCFR","Conditions, exceptions, and confidence limit":"Federal calculation does not enlarge state ceiling."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C034","Precise assertion":"B2B telemarketing calls generally receive §310.6(b)(7)’s exemption, whose exceptions do not include §310.4(a)(5).","Source and pinpoint":"S012, §310.6(b)(7). \neCFR","Conditions, exceptions, and confidence limit":"Does not exempt provider from New Hampshire law."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C035","Precise assertion":"Credit-improvement representations can trigger CROA and TSR credit-repair timing independently.","Source and pinpoint":"S011, §310.4(a)(2); S013–S014, 15 U.S.C. §§1679a–1679b. \neCFR\n+2","Conditions, exceptions, and confidence limit":"No universal debt-settlement/CROA equivalence asserted."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C036","Precise assertion":"Applicable federal-law violations are also violations of RSA 399-D.","Source and pinpoint":"S001, RSA 399-D:14 XI. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Only “applicable” federal law is incorporated."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C037","Precise assertion":"The statutory creditor definition requires regular credit with interest/charge or a written obligation payable in more than four installments.","Source and pinpoint":"S001, RSA 399-D:1 VII. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Non-credit claims and unusual debts need separate classification."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C038","Precise assertion":"A debt adjuster may not purchase the obligation, dual-role collect for creditor and adjust for debtor on the same account, take security for fees, pay referral compensation, or provide legal services/advice.","Source and pinpoint":"S001, RSA 399-D:13 III–IV. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Full referral, marketing, and remedies pass remains open."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C039","Precise assertion":"Department fee FAQ excerpts indicate no enrollment fee and a settlement-performance trigger, but their full pages were not read.","Source and pinpoint":"S008; direct fetches returned 403. \nNew Hampshire Banking Department\n+1","Conditions, exceptions, and confidence limit":"Discovery-only hold."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C040","Precise assertion":"Current public procedure points to NMLS filing and NMLS Consumer Access, but no named provider status was checked.","Source and pinpoint":"S001, RSA 399-D:4; S007–S009. \nNew Hampshire Government\n+3","Conditions, exceptions, and confidence limit":"Procedure is distinct from authorization of a company."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C041","Precise assertion":"Historical Ban 3700 material is not treated as current operative law.","Source and pinpoint":"S003–S005. \nNew Hampshire Government\n+3","Conditions, exceptions, and confidence limit":"Exact expiration date/instrument remains unresolved."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C042","Precise assertion":"No general self-creditor exemption appears in RSA 399-D:3.","Source and pinpoint":"S001, RSA 399-D:3. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"A creditor acting solely for itself may fall outside covered business on facts; not finally resolved."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C043","Precise assertion":"A §14–§17 violation or required-license failure eliminates charges, requires compensation refund, and voids the contract.","Source and pinpoint":"S001, RSA 399-D:21 II. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Full remedy and business-debtor application deferred."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C044","Precise assertion":"Settlement §16 has no express cancellation-fee formula or general voluntary-cancellation refund formula.","Source and pinpoint":"S001, RSA 399-D:16. \nNew Hampshire Government","Conditions, exceptions, and confidence limit":"Federal dedicated-account return rule may separately apply."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P1-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P1-C045","Precise assertion":"No controlling published decision interpreting the current 2017 reenacted fee structure was located in this pass.","Source and pinpoint":"Targeted official/federal court searches; no current opinion relied upon.","Conditions, exceptions, and confidence limit":"Search result only, not proof that no decision exists; dedicated case-law pass remains required."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_NH-P1-S001","urls":["https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-mrg.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-5.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-6.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-13.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-17.htm","https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-21.htm"],"researcher_record":{"Source ID":"S_NH-P1-S001","Title / issuer and direct literal URL":"RSA Chapter 399-D, Debt Adjustment Services — New Hampshire General Court\n\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-mrg.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-1.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-2.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-3.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-4.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-5.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-6.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-13.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-14.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-15.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-17.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-21.htm","Exact pinpoint / status":"§§1–6, 13–17, 21. Current codified statute. Relevant source histories include 2016 enactment effective January 1, 2017; later amendments through 2026, including current/future licensing-fee text.","Actual check and limitations":"Actual HTML passages read October 24, 2026. Controlling state authority for this pass. Future-effective provisions distinguished from current provisions. \nNew Hampshire Government\n+11"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S002","urls":["https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-mrg.htm","https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm","https://gc.nh.gov/rsa/html/XXXVI/399-G/399-G-3.htm","https://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-7.htm"],"researcher_record":{"Source ID":"S_NH-P1-S002","Title / issuer and direct literal URL":"RSA Chapter 399-G, Licensing of Money Transmitters — New Hampshire General Court\n\nhttps://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-mrg.htm\nhttps://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-2.htm\nhttps://gc.nh.gov/rsa/html/XXXVI/399-G/399-G-3.htm\nhttps://www.gc.nh.gov/rsa/html/XXXVI/399-G/399-G-7.htm","Exact pinpoint / status":"§2 XI, XVIII, XXVI–XXVII; §3 VI; §7. Effective chapter beginning October 22, 2024.","Actual check and limitations":"Actual HTML read. Consumer debt-adjuster exemption verified; full commercial-custody licensing analysis deferred. \nNew Hampshire Government\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S003","urls":["https://gc.nh.gov/rules/state_agencies/ban.html"],"researcher_record":{"Source ID":"S_NH-P1-S003","Title / issuer and direct literal URL":"Current Banking Department Administrative Rules Table of Contents — New Hampshire General Court\n\nhttps://gc.nh.gov/rules/state_agencies/ban.html","Exact pinpoint / status":"Current published Ban chapters; no Ban 3700 listed.","Actual check and limitations":"Actual current TOC read. Absence from current publication supports nonreliance on historical Ban 3700 but does not identify each historical expiration instrument. \nNew Hampshire Government\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S004","urls":["https://gc.nh.gov/rules/filing_history/sourceban.html"],"researcher_record":{"Source ID":"S_NH-P1-S004","Title / issuer and direct literal URL":"Banking Department Rule Filing History — New Hampshire General Court / Office of Legislative Services\n\nhttps://gc.nh.gov/rules/filing_history/sourceban.html","Exact pinpoint / status":"Documents #6278, #6389, #7438–#7440; filing history through August 2026.","Actual check and limitations":"Actual filing-history passages read. Shows historical adoption/readoption, not current operative text. No later Ban 3700 readoption found in reviewed history. \nNew Hampshire Government\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S005","urls":["https://gc.nh.gov/rsa/html/LV/541-A/541-A-17.htm"],"researcher_record":{"Source ID":"S_NH-P1-S005","Title / issuer and direct literal URL":"RSA 541-A:17, Time Limit — New Hampshire General Court\n\nhttps://gc.nh.gov/rsa/html/LV/541-A/541-A-17.htm","Exact pinpoint / status":"Paragraph I: general 10-year rule limit, subject to statutory extension/readoption mechanisms.","Actual check and limitations":"Actual current provision read. It helps assess historical rules but does not itself recover each old Ban 3700 expiration date. \nNew Hampshire Government"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S006","urls":["https://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP"],"researcher_record":{"Source ID":"S_NH-P1-S006","Title / issuer and direct literal URL":"HB 1618, Version 13, adopted by both bodies — New Hampshire General Court\n\nhttps://gc.nh.gov/bill_status/legacy/bs2016/billText.aspx?id=25482016&sy=2016&v=SP","Exact pinpoint / status":"Lines/sections showing repeal and reenactment of RSA 399-D; effective January 1, 2017.","Actual check and limitations":"Actual enacted-version HTML read. Historical enactment source; current codified statute controls current wording. No model act was treated as enacted law. \nNew Hampshire Government"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S007","urls":["https://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters","https://www.banking.nh.gov/consumer-credit-licensees-registrants/consumer-credit-forms-instructions-laws","https://www.banking.nh.gov/license-verification","https://www.banking.nh.gov/consumer-credit-licensees-registrants"],"researcher_record":{"Source ID":"S_NH-P1-S007","Title / issuer and direct literal URL":"Debt-adjuster operational and licensing pages — New Hampshire Banking Department\n\nhttps://www.banking.nh.gov/consumer-credit-licensees-registrants/debt-adjusters\nhttps://www.banking.nh.gov/consumer-credit-licensees-registrants/consumer-credit-forms-instructions-laws\nhttps://www.banking.nh.gov/license-verification\nhttps://www.banking.nh.gov/consumer-credit-licensees-registrants","Exact pinpoint / status":"Search-index excerpts state new debt-adjuster licensing is through NMLS and license verification is available through NMLS Consumer Access.","Actual check and limitations":"Official search excerpts read; direct page bodies returned 403. Used as operational corroboration, not as a substitute for statutory permission. \nNew Hampshire Banking Department\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S008","urls":["https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee","https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-management-licensee","https://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-repayment-licensee","https://www.banking.nh.gov/faq/what-fees-are-allowed-be-collected-debt-adjustment-activities"],"researcher_record":{"Source ID":"S_NH-P1-S008","Title / issuer and direct literal URL":"Debt-adjuster fee FAQs — New Hampshire Banking Department\n\nhttps://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-settlement-licensee\nhttps://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-management-licensee\nhttps://www.banking.nh.gov/faq/what-are-limitations-contract-fees-debt-repayment-licensee\nhttps://www.banking.nh.gov/faq/what-fees-are-allowed-be-collected-debt-adjustment-activities","Exact pinpoint / status":"Search excerpts address settlement performance, DMP day-30 timing, repayment written charges, and enrollment fees.","Actual check and limitations":"Discovery only. Each relevant full FAQ page was inaccessible or its hub returned 403. No categorical conclusion relies solely on the excerpts. \nNew Hampshire Banking Department\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S009","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Information-about-NMLS-Consumer-Access.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html"],"researcher_record":{"Source ID":"S_NH-P1-S009","Title / issuer and direct literal URL":"NMLS Consumer Access and Checklist Compiler — Conference of State Bank Supervisors / NMLS\n\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Information-about-NMLS-Consumer-Access.aspx\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","Exact pinpoint / status":"Public license-information search and state-checklist export functions.","Actual check and limitations":"Actual public descriptions read. A current exported New Hampshire debt-adjuster checklist was not successfully retrieved; exact current NMLS system fees and checklist-only attachments are held. \nNationwide Licensing System\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S010","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"],"researcher_record":{"Source ID":"S_NH-P1-S010","Title / issuer and direct literal URL":"16 C.F.R. §310.2 — eCFR / National Archives\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Exact pinpoint / status":"Definitions of customer, debt-relief service, person, seller, telemarketer, and telemarketing.","Actual check and limitations":"Actual eCFR read; title 16 displayed as up to date through October 22, 2026 and last amended October 19, 2026. Federal coverage is conditional. \neCFR\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S011","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID":"S_NH-P1-S011","Title / issuer and direct literal URL":"16 C.F.R. §310.4 — eCFR / National Archives\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Exact pinpoint / status":"§310.4(a)(2) and (a)(5): credit-repair and debt-relief fee timing, individual-debt allocation, dedicated accounts.","Actual check and limitations":"Actual current eCFR passages read. Applied only when TSR coverage is independently established. \neCFR\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S012","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"researcher_record":{"Source ID":"S_NH-P1-S012","Title / issuer and direct literal URL":"16 C.F.R. §310.6 — eCFR / National Archives\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Exact pinpoint / status":"§310.6(b)(5)–(7): debt-relief inbound-ad/direct-mail exceptions and B2B-call exemption.","Actual check and limitations":"Actual current eCFR read. Does not resolve every FTC-jurisdiction issue. \neCFR"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S013","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1679a/"],"researcher_record":{"Source ID":"S_NH-P1-S013","Title / issuer and direct literal URL":"15 U.S.C. §1679a — Office of the Law Revision Counsel\n\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679a/","Exact pinpoint / status":"Definitions of consumer and credit-repair organization; listed exclusions.","Actual check and limitations":"Actual U.S. Code text read, current through Public Law 119-120, October 7, 2026. Conditional overlap only. \nU.S. Code"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P1-S014","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1679b/"],"researcher_record":{"Source ID":"S_NH-P1-S014","Title / issuer and direct literal URL":"15 U.S.C. §1679b — Office of the Law Revision Counsel\n\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679b/","Exact pinpoint / status":"Subsection (b), payment in advance.","Actual check and limitations":"Actual U.S. Code text read, current through Public Law 119-120, October 7, 2026. \nU.S. Code"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Umbrella debt-adjustment definition","researcher_record":{"Component":"Umbrella debt-adjustment definition","Status":"Answered","Supporting claims":"C001–C004","Missing evidence / exact next investigation":"Test unusual models against actual contracts and representations."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"DMP, settlement, repayment classification","researcher_record":{"Component":"DMP, settlement, repayment classification","Status":"Answered with edge hold","Supporting claims":"C003–C004","Missing evidence / exact next investigation":"Resolve installment-discount arrangements and hybrid plans through agency orders/cases."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Noncustodial coverage","researcher_record":{"Component":"Noncustodial coverage","Status":"Answered","Supporting claims":"C001","Missing evidence / exact next investigation":"No further access issue for basic classification."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer custodial model","researcher_record":{"Component":"Consumer custodial model","Status":"Answered for specific MT exemption","Supporting claims":"C017","Missing evidence / exact next investigation":"Full bond, account, insolvency, and funds-control pass remains."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Commercial custodial model","researcher_record":{"Component":"Commercial custodial model","Status":"Unresolved","Supporting claims":"C005, C018","Missing evidence / exact next investigation":"Analyze RSA 399-G license requirements, other exemptions, and agency treatment of commercial debt adjusters."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer/business-purpose boundary","researcher_record":{"Component":"Consumer/business-purpose boundary","Status":"Partial","Supporting claims":"C005, C037","Missing evidence / exact next investigation":"Find current commissioner interpretation or controlling case addressing business-entity debtors and remedy wording."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Remote-provider nexus","researcher_record":{"Component":"Remote-provider nexus","Status":"Answered","Supporting claims":"C006","Missing evidence / exact next investigation":"Apply to actual customer-location and contract facts."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Core license requirement","researcher_record":{"Component":"Core license requirement","Status":"Answered","Supporting claims":"C007","Missing evidence / exact next investigation":"None for general rule."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Express license exemptions","researcher_record":{"Component":"Express license exemptions","Status":"Answered for listed exemptions","Supporting claims":"C008–C011","Missing evidence / exact next investigation":"Search individual exemption orders and sector-specific cross-references."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Commissioner-created exemption","researcher_record":{"Component":"Commissioner-created exemption","Status":"Unresolved at individual-order level","Supporting claims":"C012","Missing evidence / exact next investigation":"Search complete order/declaratory-ruling archive for RSA 399-D:3 V determinations."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney exemption","researcher_record":{"Component":"Attorney exemption","Status":"Answered at statutory level","Supporting claims":"C009, C038","Missing evidence / exact next investigation":"Entity structures and professional-conduct issues later."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Nonprofit status","researcher_record":{"Component":"Nonprofit status","Status":"Answered","Supporting claims":"C010","Missing evidence / exact next investigation":"Federal FTC/CROA nonprofit status needs entity-specific verification."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Self-creditor activity","researcher_record":{"Component":"Self-creditor activity","Status":"Partial","Supporting claims":"C042","Missing evidence / exact next investigation":"Find agency/case interpretation of own-debt restructuring outside institutional exemption."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"DMP fee base and ceilings","researcher_record":{"Component":"DMP fee base and ceilings","Status":"Answered","Supporting claims":"C019–C023","Missing evidence / exact next investigation":"Contract amendments and debt additions/removals remain to be examined."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"DMP earning timing","researcher_record":{"Component":"DMP earning timing","Status":"Answered under state text; federal conditional","Supporting claims":"C020–C021, C032","Missing evidence / exact next investigation":"Confirm all TSR jurisdiction/entity facts in provider-specific pass."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"DMP cancellation/default fee","researcher_record":{"Component":"DMP cancellation/default fee","Status":"Answered, cap interaction held","Supporting claims":"C022","Missing evidence / exact next investigation":"Determine through agency interpretation whether cancellation amount counts within aggregate percentage cap."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Settlement fee base and aggregate cap","researcher_record":{"Component":"Settlement fee base and aggregate cap","Status":"Answered","Supporting claims":"C024","Missing evidence / exact next investigation":"No unresolved statutory percentage."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Settlement state earning schedule","researcher_record":{"Component":"Settlement state earning schedule","Status":"Partial","Supporting claims":"C025, C039","Missing evidence / exact next investigation":"Obtain full official FAQ or an accessible current interpretive document establishing the creditor-agreement/first-payment basis."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Settlement monthly amortization formula","researcher_record":{"Component":"Settlement monthly amortization formula","Status":"Unresolved","Supporting claims":"C025","Missing evidence / exact next investigation":"Determine whether Department requires equal monthly amounts or another schedule."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Settlement cancellation/refund","researcher_record":{"Component":"Settlement cancellation/refund","Status":"Unresolved beyond §21 and federal account rule","Supporting claims":"C043–C044","Missing evidence / exact next investigation":"Inspect contracts, agency guidance, orders, and controlling cases."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Repayment-plan numeric ceiling","researcher_record":{"Component":"Repayment-plan numeric ceiling","Status":"Unresolved because no specific ceiling located","Supporting claims":"C026","Missing evidence / exact next investigation":"Obtain full Department FAQ and current licensing checklist/contract guidance; investigate whether general unfairness or other statutes supply a limit."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Repayment earning timing","researcher_record":{"Component":"Repayment earning timing","Status":"Partial","Supporting claims":"C026–C027","Missing evidence / exact next investigation":"Determine treatment of pure budgeting versus represented creditor-term alteration."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Setup/enrollment fees","researcher_record":{"Component":"Setup/enrollment fees","Status":"Partial; no verified pathway","Supporting claims":"C029, C039","Missing evidence / exact next investigation":"Obtain full official FAQ and its underlying legal analysis."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Fair-share compensation and cap treatment","researcher_record":{"Component":"Fair-share compensation and cap treatment","Status":"Unresolved","Supporting claims":"C002, C028","Missing evidence / exact next investigation":"Find agency accounting/fee interpretation or enforcement order."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"State per-debt or savings fee","researcher_record":{"Component":"State per-debt or savings fee","Status":"Answered: none located","Supporting claims":"C030","Missing evidence / exact next investigation":"Provider-specific federal allocation still required."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"CPI/indexed consumer fee amount","researcher_record":{"Component":"CPI/indexed consumer fee amount","Status":"Answered: no verified indexing","Supporting claims":"C031","Missing evidence / exact next investigation":"Recheck if statute is later amended."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"TSR debt-relief timing","researcher_record":{"Component":"TSR debt-relief timing","Status":"Answered as conditional federal baseline","Supporting claims":"C032–C034, C036","Missing evidence / exact next investigation":"Full FTC entity/jurisdiction and debt-type analysis remains provider-specific."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Credit-repair overlap","researcher_record":{"Component":"Credit-repair overlap","Status":"Partial/conditional","Supporting claims":"C035","Missing evidence / exact next investigation":"Full CROA contract, disclosure, cancellation, and case-law pass if marketing makes credit-improvement claims."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Application statute","researcher_record":{"Component":"Application statute","Status":"Answered","Supporting claims":"C013–C016","Missing evidence / exact next investigation":"Exact NMLS checklist-only attachments and current system fees remain."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Public license lookup procedure","researcher_record":{"Component":"Public license lookup procedure","Status":"Answered","Supporting claims":"C040","Missing evidence / exact next investigation":"Perform entity-specific NMLS search when legal name or NMLS ID is supplied."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Named provider authorization","researcher_record":{"Component":"Named provider authorization","Status":"Excluded—not requested with entity identifier","Supporting claims":"C040","Missing evidence / exact next investigation":"Search NMLS and Department records for the specific entity."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Current debt-adjuster regulations","researcher_record":{"Component":"Current debt-adjuster regulations","Status":"Partial","Supporting claims":"C041","Missing evidence / exact next investigation":"Recover formal expiration history for Ban 3700 and search any current nonpublished/archived orders."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Historical Ban 3700 rules","researcher_record":{"Component":"Historical Ban 3700 rules","Status":"Excluded as current authority","Supporting claims":"C041","Missing evidence / exact next investigation":"May be examined only for history, not current compliance."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Current application/renewal government fees","researcher_record":{"Component":"Current application/renewal government fees","Status":"Answered","Supporting claims":"C014","Missing evidence / exact next investigation":"Revisit on October 1, 2027 or after amendment."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Government/NMLS ancillary fees","researcher_record":{"Component":"Government/NMLS ancillary fees","Status":"Unresolved","Supporting claims":"C014","Missing evidence / exact next investigation":"Export current NH Debt Adjuster checklist and current NMLS fee chart."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Controlling current court interpretation","researcher_record":{"Component":"Controlling current court interpretation","Status":"Not located; open","Supporting claims":"C045","Missing evidence / exact next investigation":"Dedicated Westlaw/Lexis or full official/federal docket review, with current-statute date filters."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Agreement content","researcher_record":{"Component":"Agreement content","Status":"Minimally answered as needed for fees","Supporting claims":"C019","Missing evidence / exact next investigation":"Full agreement disclosures, cancellation language, electronic execution, amendment, and enforceability pass remains."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer funds and pooled accounts","researcher_record":{"Component":"Consumer funds and pooled accounts","Status":"Minimally touched","Supporting claims":"C017, C033","Missing evidence / exact next investigation":"Full custody, trust, reconciliation, ownership, bankruptcy, and payment-control pass remains."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Bond","researcher_record":{"Component":"Bond","Status":"Minimal amount/interface only","Supporting claims":"C017","Missing evidence / exact next investigation":"Full bond form, claims, cancellation, recovery, electronic bond, and insolvency pass remains."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Remedies and enforcement","researcher_record":{"Component":"Remedies and enforcement","Status":"Minimal fee-refund consequence only","Supporting claims":"C043","Missing evidence / exact next investigation":"Full civil, administrative, criminal, private-right, restitution, UDAAP, and officer-liability pass remains."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Collections","researcher_record":{"Component":"Collections","Status":"Open","Supporting claims":"—","Missing evidence / exact next investigation":"Investigate collection-agency overlap, creditor communications, and dual-role prohibition."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Litigation and limitations","researcher_record":{"Component":"Litigation and limitations","Status":"Open","Supporting claims":"C045","Missing evidence / exact next investigation":"Search current cases, limitation periods, accrual, jurisdiction, and arbitration issues."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Secured debt","researcher_record":{"Component":"Secured debt","Status":"Open","Supporting claims":"—","Missing evidence / exact next investigation":"Analyze mortgage, auto, tax, student, and other secured/sector statutes separately."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Local and municipal law","researcher_record":{"Component":"Local and municipal law","Status":"Open","Supporting claims":"—","Missing evidence / exact next investigation":"Search local business-license and consumer-protection overlays."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Tribal and sovereign issues","researcher_record":{"Component":"Tribal and sovereign issues","Status":"Open","Supporting claims":"—","Missing evidence / exact next investigation":"Analyze tribal entities, sovereign immunity, and federal/state jurisdiction separately."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Contract and choice-of-law","researcher_record":{"Component":"Contract and choice-of-law","Status":"Open","Supporting claims":"C041","Missing evidence / exact next investigation":"Do not rely on expired Ban 3702.05; examine current statute, common law, and actual contract."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Full federal overlap","researcher_record":{"Component":"Full federal overlap","Status":"Open beyond timing baseline","Supporting claims":"C032–C036","Missing evidence / exact next investigation":"Complete TSR disclosures, recordkeeping, DNC/TCPA, CROA, EFTA, UDAAP, and entity-jurisdiction work."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Whole-state or A066 acceptance","researcher_record":{"Component":"Whole-state or A066 acceptance","Status":"Expressly not reached","Supporting claims":"All","Missing evidence / exact next investigation":"Complete all remaining New Hampshire passes and coordinator review."},"coordinator_acceptance":"reviewed_with_holds_not_accepted","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}